All yachts are fully insured against total loss and third party liability with the first 1500 Euros excess being the responsibility of yourself, the total of the amount of the deposit being held for this purpose.The loss of dinghy,  outboard-motor or windsurfer are all your own responsibility and are not covered by the insurance. The Crew and their personal possessions are not covered by the yacht's insurance. We highly recommend that you take out a personal insurance coverage.