{"id":31668,"date":"2026-02-13T19:55:49","date_gmt":"2026-02-13T17:55:49","guid":{"rendered":"https:\/\/capetan.club\/?p=31668"},"modified":"2026-02-13T20:04:44","modified_gmt":"2026-02-13T18:04:44","slug":"deposit-insurance-sau-damage-waiver","status":"publish","type":"post","link":"https:\/\/capetan.club\/en\/deposit-insurance-sau-damage-waiver\/","title":{"rendered":"Deposit insurance or Damage Waiver?"},"content":{"rendered":"<p><strong>Security Deposit - Two Completely Different Models<\/strong><\/p>\n\n\n\n<p>When you charter a yacht, you often leave a security deposit. If damage occurs, you may lose some or all of it. Most charter companies offer a Damage Waiver (a waiver or reduction of security). Sounds good, but beware: not all waivers are the same.<\/p>\n\n\n\n<p><strong>Key Difference: Damage Waiver <span style=\"text-decoration: underline;\">no<\/span> automatically means insurance.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Model 1: <a href=\"https:\/\/capetan.club\/en\/ce-inseamna-asigurarea-pentru-un-skipper-de-charter\/\" type=\"post\" id=\"30089\">YACHT-POOL Charter Deposit Insurance<\/a> - Real Insurance<\/strong><\/p>\n\n\n\n<p>This is what we mean when we talk about real insurance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No hidden clauses<\/li>\n\n\n\n<li>Cover skipper and crew<\/li>\n\n\n\n<li>Valid globally<\/li>\n\n\n\n<li>Single premium, 12-month protection (you charter in May, you're covered until May next year)<\/li>\n\n\n\n<li>Any guarantee amount<\/li>\n\n\n\n<li>Small excess: 5% of the guarantee (or of the value of the damage, if lower), minimum \u20ac50<\/li>\n\n\n\n<li>Yacht and all equipment are insured - exceptions are clearly defined<\/li>\n<\/ul>\n\n\n\n<p>You can increase the sum insured at any time if you need a higher guarantee for a particular charter. The premium is recalculated pro-rata.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Model 2: Damage Waiver from Charter Companies - Usually an \u201eExpensive Internal Solution\u201d<\/strong><\/p>\n\n\n\n<p>Many charter companies have their own \u201edamage waiver\u201d, but beware - it's often not a stand-alone insurance, but a clause they write into the contract. Not always customer friendly.<\/p>\n\n\n\n<p>Typical differences and risks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It's not a separate policy but a clause in the charter contract<\/li>\n\n\n\n<li>Terms often ill-defined<\/li>\n\n\n\n<li>Exceptions on a conveyor belt:\n<ul class=\"wp-block-list\">\n<li>Grounding<\/li>\n\n\n\n<li>Steering damage<\/li>\n\n\n\n<li>Dinghy damage<\/li>\n\n\n\n<li>Scratches and knocks<\/li>\n\n\n\n<li>Damage to auxiliary (dinghy) engine<\/li>\n\n\n\n<li>Loss of equipment<\/li>\n\n\n\n<li>Damage to sails, etc.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Practical Reality<\/strong><\/p>\n\n\n\n<p>Even with Damage Waiver, surrender surprises are a constant. You may end up paying a substantial excess or a breakage under the agreed terms.<\/p>\n\n\n\n<p>The skipper or charter customer pays alone or together with the crew. This is where the frustration starts - for everyone:<\/p>\n\n\n\n<p>You thought you were covered, but you end up with the bill, the arguments and the stress of handing over.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Important: Damage Waiver \u201eMandatory\u201d - But Not Always<\/strong><\/p>\n\n\n\n<p>Many charter companies now include the Damage Waiver as a mandatory part of the contract - not as an option.<\/p>\n\n\n\n<p>But we have an informal agreement with several serious companies: they are willing to waive this obligation if you submit a <a href=\"https:\/\/yacht-pool.com\/charterskipper-en\/?affiliates=5ef059938ba799aaa845e1c2e8a762bd\">valid policy<\/a> YACHT-POOL.<\/p>\n\n\n\n<p>Clarify with us before you switch companies just because of the mandatory Damage Waiver. Say clearly: I want to book, but without the Damage Waiver.<\/p>\n\n\n\n<p>In many cases, you get the contract without the mandatory Damage Waiver.<\/p>\n\n\n\n<p>It's often just a standard clause that can be removed or adjusted on request.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>At a glance<\/strong><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/capetan.club\/en\/ce-inseamna-asigurarea-pentru-un-skipper-de-charter\/\" type=\"post\" id=\"30089\">YACHT-POOL Charter Deposit Insurance<\/a>:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real insurance with clear, customer-orientated terms<\/li>\n\n\n\n<li>Valid global, 12 months protection - one charter covers all of the following<\/li>\n\n\n\n<li>Transparent franchise, flexible amounts<\/li>\n\n\n\n<li>Yacht and equipment insured - no hidden exceptions<\/li>\n\n\n\n<li>Significantly cheaper<\/li>\n<\/ul>\n\n\n\n<p><strong>Damage Waiver from the Companies:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It's often not insurance, but a unilateral internal arrangement<\/li>\n\n\n\n<li>Commonly includes exceptions, allowances and delivery surprises<\/li>\n\n\n\n<li>Presented as \u201ecompulsory\u201d but not always - we can help clarify<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>If you have questions about warranty insurance for your charters, <a href=\"mailto:skipper@capetan.club\">write to us<\/a> <\/p>\n\n\n\n<p>or call us on <a href=\"tel:00407432273826\">004073 CAPETAN<\/a>.<\/p>\n\n\n\n<p>team <a href=\"https:\/\/capetan.club\/en\/about-us\/\" type=\"page\" id=\"21998\">Capetan Club<\/a> \/ <a href=\"http:\/\/sailarmada.com\" type=\"link\" id=\"sailarmada.com\">Sail Armada<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Garan\u021bia la Charter (Security Deposit) \u2013 Dou\u0103 Modele Complet Diferite C\u00e2nd \u00eenchiriezi un yacht, la\u0219i \u00een cele mai multe cazuri o garan\u021bie (security deposit). Dac\u0103 apar daune, po\u021bi pierde o [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":27783,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[41],"tags":[],"class_list":["post-31668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cursuri-de-navigatie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Deposit insurance sau Damage Waiver? - Capetan Club<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capetan.club\/en\/deposit-insurance-sau-damage-waiver\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Deposit insurance sau Damage Waiver?\" \/>\n<meta property=\"og:description\" content=\"Garan\u021bia la Charter (Security Deposit) \u2013 Dou\u0103 Modele Complet Diferite C\u00e2nd \u00eenchiriezi un yacht, la\u0219i \u00een cele mai multe cazuri o garan\u021bie (security deposit). 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