Not all yacht insurance policies are equal. Third-party liability is generally compulsory and covers damage caused to others, but the level of hull cover (damage, theft, weather events) varies significantly between contracts.
It is essential to check the covered navigation area (coastal, extended Mediterranean, offshore) as well as exclusions linked to the boat's age or the skipper's lack of qualification. Assistance and towing, often seen as secondary, are in practice the most frequently used guarantees.
For a charter yacht, particular attention should be paid to specific rental cover: it generally differs from private use and must be checked before any commercial operation begins.