Understand the insurance arrangements for ACIN vessels, the responsibilities of charterers and skippers, and the mandatory vessel protection charge for weekly and longer charters.
ACIN maintains commercial marine insurance arrangements for its vessels. This is insurance held by ACIN and is not a personal travel insurance policy sold or issued to a charter guest. The scope of protection always depends on the vessel, authorised use, the insurance contract and any applicable exclusions or deductibles.
Please read our Guest Safety & Personal Insurance information separately.
Our Lagoon sailing catamarans – Arctic Dream (Lagoon 51), Arctic Princess (Lagoon 450F) and Arctic Charm (Lagoon 40) – may be offered for professionally skippered cruises, approved externally skippered charters and, where specifically authorised, bareboat charter.
Arctic Queen (Rodman Muse 44) operates on professionally skippered cruises and is not available for bareboat or weekly bareboat rental.
Permitted operations and any requirements for third-party skippers or bareboat charterers must be confirmed for the particular vessel before the charter agreement becomes binding.
Depending on the applicable policy and approved operation, ACIN's marine insurance arrangements may provide protection for insured physical damage to the yacht, total loss, collision-related damage and liability, salvage costs, and certain third-party or passenger liabilities.
Coverage is not unlimited. Deductibles, exclusions, insured values, geographical limits, safety requirements and the identity of insured persons vary according to the policy and circumstances. Mechanical breakdown, ordinary wear and tear, personal belongings and consequential costs should not be assumed to be covered.
Passenger liability cover on commercially operated trips must not be confused with individual travel insurance or a guaranteed personal accident benefit.
When ACIN provides the skipper, ACIN operates the maritime service under the agreed booking terms and applicable law. The skipper is responsible for the vessel's safe navigation and operation.
Customers wishing to use an external skipper must obtain ACIN's prior written acceptance. The skipper must satisfy applicable qualifications, experience and any insurer-imposed requirements. The charter documents will state who provides the skipper, who operates the vessel and how responsibilities are allocated.
Genuine bareboat charter means that a charterer takes possession of an approved yacht without an ACIN skipper or crew. The charterer appoints a qualified skipper and assumes the operational responsibilities established in the signed charter agreement and by law.
Before handover, ACIN may require verification of certificates, comparable-vessel experience, itinerary, intended use, the identity of the skipper, a security deposit and completion of a vessel orientation and safety briefing.
Bareboat charter is available only after ACIN has confirmed both the operational eligibility and the insurance position in writing for that booking. Describing a yacht as available for enquiry does not guarantee approval or any particular insurance cover.
EUR 250 per booking
Applies to weekly yacht charters (seven nights) and longer charter periods only. The charge is mandatory and applies once per booking, not per person. It does not apply as a separate charge to ordinary day cruises or shorter private experiences.
This charter-related charge contributes to ACIN's enhanced commercial marine insurance and vessel risk-management costs. It is part of the price of the charter service, not an individual insurance premium or a separate insurance policy issued to the customer.
The EUR 250 amount is itemised for transparency and is included in the quoted total charter price. Any applicable tax treatment will be reflected in the final quotation.
The charge does not eliminate a charterer's obligations concerning damage, misuse, negligence, contractual deductibles or security deposits and does not substitute for the charterer's or guests' personal insurance.
Each charter agreement sets out the applicable security deposit, inspection and handover procedure, damage-reporting obligations and allocation of responsibility for loss or damage. Insurance deductibles and the charterer's potential financial liability are not necessarily the same amount.
Any claims or recovery from the charterer will be assessed under the charter agreement and applicable law. The existence of ACIN's insurance does not provide an automatic waiver of a charterer's liability.
All trips and charter itineraries are limited by the vessel's permitted operating area, weather and sea conditions, safe navigation requirements, skipper qualifications and the applicable insurance terms. ACIN may impose reasonable operational restrictions as specified in the charter contract.
Capacity and cabin arrangements differ between vessels. The number of persons permitted on board is determined by the applicable operational approval and safety requirements; it should not be inferred from an insurance policy's maximum passenger figure alone.
Guests and charterers are responsible for meeting applicable personal travel insurance requirements. Medical expenses, repatriation, cancellation and specialised activities such as skiing, mountaineering or snorkelling should be checked directly with the guest's own insurer.
See Guest Safety & Personal Insurance for further details.
This page is an overview of ACIN's charter arrangements, not an insurance certificate, policy wording or guarantee of indemnity. If there is any inconsistency, the issued insurance documents, applicable charter agreement and mandatory law govern.
Charterers may request clarification of the relevant insurance arrangements and contractual responsibilities before confirming their booking. Nothing here limits legal rights or duties that cannot lawfully be excluded.