Clarity First Mijnbootverzekeren.nl When choosing a boat insurance policy, the two most important factors are the premium and the coverage (policy terms). Many insurers provide little information about premiums on their websites, and the terms are often buried in fine print. Kuindersma came up with a different approach and launched: mijnbootverzekeren.nl. Streamlined Kuindersma Insurance has been around for 121 years and is now run by the third and fourth generations of the Kuindersma family. It’s a comprehensive insurance company offering all types of insurance. A few years ago, the company took a close look at its recreational boat insurance and, as Director Ynte Kuindersma puts it, “streamlined” it. All unnecessary options and exclusions were removed. For an insurer, it doesn’t really matter whether a boat is made of steel or fiberglass, whether it has a diesel or gasoline engine. And for premium calculations, whether the insured has a boating license or not is irrelevant. Discounts for being a member of a boating club don’t guarantee fewer claims, so those were also eliminated. User-Friendly As a result, the new boat insurance on mijnbootverzekeren.nl is extremely userfriendly. A few clicks on the site will show you your premium. It’s fixed, meaning it doesn’t decrease for claim-free sailing, but it also doesn’t increase if you file a claim. The insurance is designed for all pleasure boaters, from small sloops to large motor or sailing yachts. Racing can be included in the coverage, and fast boats are also welcome. The best part is that everything on the site is completely clear and transparent. If you’re satisfied with the premium, you can submit your insurance application directly. It doesn’t get any clearer than that. Types of Coverage The policy terms are also explained in clear language on the site. You can insure your boat for Legal Liability and fully comprehensive (Casco), which means damage caused to others as well as damage to your own boat is covered. The contents of the boat are insured for up to 10% of the insured amount at no additional cost. You also get free accident insurance for passengers. Damage to the engine due to fault is covered if the propulsion system or generator is less than 20 years old. Additionally, salvage and cleanup costs after an insured event are covered without a maximum limit. Joure Kuindersma employs 25 people, most of whom grew up around water sports. The company from Joure is involved with the local skûtsje (traditional Frisian sailing vessel) and is frequently on the water. Consumers are pleased with the new boat insurance, which now receives 7-10 applications per week. There’s clearly a demand for a boat insurance policy with clear and understandable terms and premiums. 72 BY OUR EDITORIAL TEAM
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