Year after year, the historic Milan-based broker David Assicurazioni has perfected with major, solid international companies, the all-risks policy tailored for boaters.
It is, technically, a comprehensive body policy, which covers any damage to the vessel and will let you sleep soundly. For a fair price, David’s policy, drafted by real experts in the field, offers you the highest possible guarantees and quick and efficient handling of any claims.
The all-risk policy specifically for those with boats
WHAT THE “ALL-IN” BODY POLICY COVERS
Precisely because they are drafted by people who go boating, the formulas offered by David Insurance cover everything that can happen on and off the water. Coverage is always in effect. For damage from bad weather-this is most important-as for a wide variety of causes. For example, those occurring to propellers and rudders or in an unprotected roadstead.
Your boat ages less! 15-YEAR AGE LIMIT
This year David’s body policy was further improved. “First and foremost, we were able,” explained Riccardo Klinguely of David Insurance, “to move the limit of boat age from 10 to 15 years, thus extending the limit beyond which a prior appraisal becomes mandatory.
Great news, by the way, for those looking for a good used car. “With the Milan-based broker,” Klinguely continues, “one can also book an appraisal at a discounted rate within the year limit. A guarantee for the shipowner himself on a possible settlement of the claim, so that the same ‘payout’ is appropriate.”
Then there is another important new development. “We have shifted the maintenance of the vessel’s value-as-new, which will no longer be calculated over three years but over five. In case of damage, even partial damage, reimbursement for parts to be replaced will be based on the prices of new, without the company applying the so-called ‘degradation of use.'”
How to get a quote
The expert’s advice
Valuable advice: “Once a claim has occurred, it is important to report it via PEC, within two days, to the Port Authority offices. This is even before the insurance company,” Klinguely explains. “You will thus avoid fines for late communication. The email should contain, in addition to the description, the place and date of the accident, a copy of the shipowner’s license, the boat’s sailing license (or details in the case of a foreign flag), the company and policy held, and, if possible, an estimate of the damage incurred. In addition to avoiding penalties, this will make it faster for the company to handle the claim.”