Offshore Sailing Insurance
Sail confidently! Our offshore sailing insurance covers medical emergencies, equipment loss, trip interruptions, and more.
Our offshore sailing insurance keeps you protected every nautical mile.
Grab our Adventure Plus add-on and get simple, reliable cover so you can focus on the voyage, not the what-ifs.
With our Adventure Plus Add-on, you’re covered for:
✅ Offshore passages up to 60 miles from a safe haven.
✅ Emergency medical care
✅ Helicopter evacuation (with pre-approval)
✅ Repatriation and 24/7 emergency support
What’s included in our offshore sailing insurance?
You're covered for:
- Worldwide emergency medical expenses: We pick up overseas hospital bills and put our 24/7 assistance team on speed-dial if an injury strikes.
- Trip cancellation & curtailment: When illness, weather alerts or government advisories force you to scrap the passage (or bail out early), we refund the non-recoverable costs.
- Baggage & gear loss or damage: From foul-weather jackets to nav electronics, we reimburse or replace kit that’s stolen, lost or damaged in transit.
- Medical evacuation: We organise and pay for an emergency lift-out once our 24/7 assistance team signs it off.
What's not included in this policy?
Our offshore sailing cover does not extend to:
- Solo, unlicensed or unguided voyages, or trips without a qualified skipper.
- Passages beyond 60 nautical miles from a safe haven or into uncharted waters.
- Professional, commercial or racing events (paid crew work is out).
Rise & Shield is trusted by reputable tour operators and adventure companies
What does our Offshore Sailing insurance cover?
With Rise & Shield’s offshore sailing cover, we safeguard every mile beyond the breakwater. This is insurance built for skippers and crew who add the Adventure Plus add-on and follow our safety rules.
Medical Emergencies and Evacuation
We settle overseas hospital bills and, when a doctor orders it, arrange a helicopter lift-out.
Equipment Loss or Damage
From foul-weather jackets to chartplotters, we reimburse or replace sailing gear that’s lost, stolen or accidentally wrecked in transit.
Trip Cancellation & Curtailment
If illness, adverse weather or official advisories force you to scrap the passage (or bail out early) we refund the non-recoverable costs so you can re-plan without sinking the kitty.
Plus loads more benefits...
Why do I need offshore sailing insurance?
Offshore sailing isn’t a harbour hop; it’s the blue-water run where storms, gear failures and sudden illness can reroute the whole voyage.
We recommend locking in offshore sailing insurance when:
- Your passage slips past quick-rescue range. Once you’re 30 – 60 nm off Ushant or punching through the Bay of Biscay, coast-guard lifts and tow-boats aren’t cheap—we arrange the evacuation and pick up the tab (minus the rescue excess) so you can helm, not haggle.
- Your kit wallet can’t take a knock. Think carbon sails, B&G plotters, hydro-generators. If they’re smashed in a knock-down or vanish during a marina transfer, we sort the repair or replacement.
- Charters, marina fees or delivery flights are pre-paid. Weather windows slam shut, or the crew’s flights to Antigua get scrubbed; our trip disruption cover refunds those non-refundable costs so Plan B isn’t a budget buster.
- Medical help is days away. We front overseas hospital bills and organise repatriation if appendicitis strikes mid-Atlantic or a boom jibe fractures a collarbone off Cape Verde.
Hoist cover before you cast off, not after the mayday. We’ll handle the paperwork; you trim the sheets.
Why choose our offshore sailing insurance?
Choosing Rise & Shield means selecting coverage tailored to the unique challenges of offshore sailing. Here’s what makes us stand out:
- 24/7 Customer Support: Our team is ready around the clock, ensuring you’re supported wherever you are on the water.
- Simple Claims Process: Our efficient claims system lets you file quickly and return to your journey without delays.
- Competitive Premiums: Enjoy high-value coverage designed for sailors at competitive rates, so you’re covered without overspending.
- Customisable Options: Choose from additional protections, letting you personalise your coverage for any destination.
With Rise & Shield’s offshore sailing insurance, you’re ready to take on the open sea with total peace of mind.
How do I buy offshore sailing insurance online?
Getting covered with Rise & Shield is easy. Follow these simple steps to secure your trip:
Get a Quote: Start by entering your trip details to receive a personalised quote.
Customise Your Plan: Tailor the coverage options to meet your specific needs.
Receive Instant Confirmation: Purchase and instantly receive your policy details via email.
Offshore sailing insurance FAQs
Yes. Standard cover stops at coastal waters; offshore sailing (outside coastal waters) only kicks in when you bolt on our Adventure Plus add-on.
We protect passages that stay within 60 nautical miles of a safe haven. Push past that limit and you’ll need a blue-water specialist policy.
Absolutely. If a doctor says it’s medically necessary and our 24/7 assistance team signs it off first.
No. Cover applies to amateur, non-competitive voyages with a qualified skipper or guide on board. Solo passages, races and paid crew work are outside scope.
Have an offshore-rated vessel, lodge a formal passage plan, wear the right safety gear, and carry any required RYA or local skipper certification, plus the correct driving licence if you’ll helm a motorised tender.
Yes. Our baggage section reimburses you (single-item limits apply) for loss, theft or accidental damage in transit.
Other useful resources about offshore sailing
MCA MGN 615: Non-coastal safety guidelines
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Rise and Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. . Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.