No. Sailing cover is an optional extension that must be applied for separately. It must be shown on your Certificate of Insurance before it applies. If it is not on your Certificate of Insurance, Sailing cover has not been added to your policy.

There are three forms depending on your activity. Use the LCO form if you are sailing with a licensed commercial operator and participating in operational tasks. Use the non-LCO form if you are in charge of a hired or privately owned vessel or are a crew member without an LCO. Use the regatta form if you are competing in an organised sailing event. If you are unsure, contact our team before applying.

A Licensed Commercial Operator is a licensed commercial sailing or boating operator responsible for operating the vessel. Whether an LCO is involved determines which application form you should use.

Up to $5,000,000 for costs you are legally liable to pay for bodily injury to third parties or damage to their property arising from an accident during your trip. This includes legal costs. Note that liability arising from mechanically propelled or motor driven boats is excluded.

Yes. Up to $5,000 for loss, theft or breakage of your sailing equipment during the trip, with a maximum of $750 per item, pair or set. Hired equipment that is lost, stolen or broken while in your custody and control is also covered. Note that equipment lost overboard or damaged while in use is excluded.

If your sailing equipment is delayed in transit for 12 hours or more while en route to your sailing destination, up to $500 is available to hire emergency replacement equipment. No excess applies to this benefit.

Up to $2,500 is available for the reasonable additional accommodation and travel costs to send a substitute crew member in your place if you are unable to participate due to death, bodily injury, illness or permanent total disablement.

Up to $5,000 is available to cover the excess you are legally liable to pay on the chartered vessel’s insurance policy if the yacht sustains loss, theft or damage. No excess applies to this benefit. Note that damage arising from operating the vessel in violation of the charter agreement is excluded.

Cover for non-professional competitive racing is available on request and subject to assessment. It must be declared to and accepted by Go Insurance prior to your departure and will be noted on your Certificate of Insurance if approved.

Cover for sailing in non-territorial waters is available on request and subject to assessment. It must be declared to and accepted by Go Insurance prior to cover being granted. Note that sailing in high threat waters as listed by the LMA Joint War Committee is excluded unless specifically agreed in advance.

Yes. Sailing cover is an extension to your Go Insurance travel insurance policy and must be read in conjunction with your Policy Wording, which contains the standard terms, conditions, exclusions and definitions that also apply.