Gross negligence in yacht insurance: experts explain

Gross negligence in yacht insurance: experts explain

Gross negligence in the insurance sector can have significant consequences for boat and yacht owners. Robert Perger, insurance expert at SeaHelp, explains this topic. Gross negligence differs from simple negligence in that it involves a particularly serious breach of the standard of care required by traffic. In water sports, gross negligence refers to disregarding the rules of good seamanship, which are the basic skills for safe handling of watercraft.

The decision as to whether there was gross negligence is based on the gross disregard for the rules of good seamanship. These rules refer to responsible behavior, taking into account practices to avoid damage and danger. Examples of gross negligence in water sports include averting attention while navigating the ship or failing to observe vital safety measures such as turning off a stove on board.

In the event of gross negligence, the insurer is entitled to reduce its benefits depending on the severity of the policyholder's fault. The burden of proof for the absence of gross negligence lies with the policyholder. In comprehensive insurance, gross negligence can in most cases lead to the insurer's benefits being reduced or excluded. It is therefore advisable to always follow the rules of good seamanship in order not to jeopardize insurance coverage.

If you have any questions about yacht insurance and gross negligence, interested parties can contact Robert Perger, SeaHelp insurance expert. SeaHelp offers comprehensive insurance options for boat and yacht owners, based on many years of experience and expertise in the industry. SeaHelp members can contact us at any time for free, non-binding advice.