Hurricane season
Boat storage contract liability and your own cover
The yard disclaims storm damage and asks you to hold it harmless. What that does to the policy you already hold, clause by clause.
11 min read
Read the guideYacht insurance guides
Grouped by the question you actually have rather than by publication date. Every figure in these guides traces to the London Marine Insurance Services policy wording we hold, or to a named primary source such as NOAA or the FCA register.
Latest guide
By the question you have
Hurricane seasonWhere to leave your boat for Caribbean hurricane season
Haul out, stay afloat or sail south. Three options, and each one moves a different clause of the policy you already hold.
10 min read
Hurricane seasonWhich hurricane holes do insurers accept?
No insurer publishes a list. What underwriters assess is the signed plan, and what it can show about the destination you picked.
12 min read
MediterraneanMed mooring damage and your deductible
Most stern-to scrapes cost less than the deductible. What the damage runs to, which section of the policy answers for what you hit, and when it is worth claiming.
9 min read
Policy conditionsLeaving your boat unattended
There is no time limit in the wording. What the policy actually asks when nobody is aboard is where the boat is, whether a lay-up period is on your Schedule, and whether there is evidence a loss happened.
10 min read
CostWhat will this actually cost me?
Worked examples off the real 1% to 1.5% band, and the deductibles that come with it.
13 min read
ExclusionsWhat will not be paid?
Exclusions transcribed from the policy wording we hold, not generalised from the market.
13 min read
Hurricane seasonWhere do I put the boat in storm season?
46 seasons of NOAA storm counts by island group, with the method stated.
10 min read
ComparisonHow do the main insurers compare?
Eleven carriers against published criteria. Named, and none of them hyperlinked.
20 min read
DeductibleWhat does the 10% storm deductible actually come off?
The hull value on your schedule, not the claim, and it applies to a total loss too. Worked figures from the wording we hold.
19 min read
ValuationAgreed value or actual cash value?
What each basis pays, worked on one boat, on a total loss and on a partial loss. With the statute and the clause behind it.
16 min read
SurveyWill they make me survey the boat?
The age that triggers it, what it costs per foot, and the 30-day window to close out the surveyor's recommendations.
18 min read
Older boatsWill anyone insure a boat this old?
Which of the three markets writes a 40-year-old hull, why length decides more than age, and what the repair clauses actually pay for.
11 min read
EligibilityHow much experience do underwriters want?
What a sailing resume has to contain, whether a charter week counts, and why there is no published step-up rule.
9 min read
Cruising groundsWhat does it cost to clear into each country?
Cruising permits, entry fees and clearance rules for 20 countries, every row sourced to a government page and dated.
11 min read
Cruising groundsWhat does it take to cruise the Bahamas legally, and covered?
The permit schedule effective 1 April 2026, the Click2Clear sequence, and the four things to settle with your insurer before you leave.
11 min read
LicensingDo you need a licence, and can you race?
The three documents a UK powerboat licence can mean, what a CPA racing licence costs, and where both scheme wordings stop.
9 min read
LiabilityWhat does P&I cover that hull insurance does not?
Hull insures your boat, protection and indemnity answers what you owe other people. The compulsory thresholds, crew liability, and fixed premium versus a mutual club.
9 min read
Tools that produce an answer
Put a number on itEnter your agreed value and see the premium band and deductibles.Build the hurricane planThe signed document named-windstorm cover requires, in about three minutes.
Last updated 19 August 2026. General information, not financial advice.
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