Marine insurance: what’s new, from “Kasko” to coverage of legal expenses in case of a claim

When it comes to marine insurance, experience and specialization really do make a difference. David Assicurazioni, a historic Milanese broker active since 1971, has become over the years a point of reference for boat owners, sailors and yachtsmen seeking comprehensive and tailored coverage for their boat. For more than a decade, Il Giornale della Vela has been chronicling the solutions of David Assicurazioni, which today protects many boats distributed throughout the country, 60 percent of which are sailing boats, with insurance packages designed for every need and value range.

Independent and beneficial counseling

David Assicurazioni’s real strength is its ability to offer independent advice: the broker works with numerous insurance companies, selecting the most advantageous solution for each client in terms of both price and guarantees. Comparative analysis makes it possible to obtain competitive quotes, often better than those offered directly by the companies. In addition, the company can also build customized packages for Italian owners with foreign-flagged boats.

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Bodies policy: the “Kasko” of boating

David Insurance’s Bodies policy is at the heart of the offering: coverage that protects the boat not only while sailing, but also at dock, roadstead, and even ashore during periods of inactivity or maintenance. It is a true “Marine Kasko,” covering damage from collision, bad weather, vandalism, fire, theft, and even damage to propellers and rudders. Among the various guarantees, one of the most interesting is the clause that covers damage due to obstruction of sea intakes, which are increasingly common in our seas, with possible extensions.

Particularly interesting is the possibility of insuring boats with a market value between 40,000 and 60,000 euros, often Classic Boats, or in any case historic boats of unique design and excellently maintained, without the need for a formal appraisal: in many cases , a self-certification accompanied by up-to-date photographic documentation documenting the condition and preservation of the boat is sufficient.

Coverage if you need legal assistance

In addition to the Bodies policy, David Assicurazioni offers comprehensive packages that include Third Party Liability ( TPL ), with particularly favorable terms and a very interesting new coverage for legal protection. In the event of a claim, the client can count on legal assistance with free choice of attorney and coverage even for any disputes with suppliers or the insurance company itself. This aspect is key to navigating in peace of mind, knowing that you are protected not only from property damage, but also from possible bureaucratic and legal complications that can arise at any time.

A broker that speaks the language of boaters

David Assicurazioni is not just an intermediary, but a true advisor at the shipowner’s side: from the choice of policy to the management of the claim, the team takes care of every detail, relieving the client of tasks and bureaucracy. Their long experience in the marine industry allows them to propose innovative solutions and anticipate the needs of an increasingly attentive and informed clientele.

With more than 50 years in business and an established presence in the boating world, David Insurance continues to improve by forging new agreements with leading companies and expanding the range of products offered to its clients. Whether you are an experienced or novice boat owner, relying on a specialized broker like David means sailing without worries, with the assurance that you will always have the coverage best suited to you and your boat.

• For information, customized quotes and free consultations, you can visit www.davidassicurazioni.it or go directly to the dedicated quote portal www.assicuralatuabarca.it

*Rational in collaboration with David Insurance.

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