THE SHORT ANSWER
If you own a boat, start by finding the agreement that applies to that boat and its engine. Smaller boats may be covered by an addition to home insurance. Others have a separate boat policy.
Distinguish damage to the boat from liability for damage you cause someone else. Also read what applies when the boat is on land. Cover is defined by the agreement and the boat's use, not just by the boating season. [1][2]
Keep these points in mind
- Check the boat and engine separately.
- Read the maximum amount for liability cover.
- A renewal document often replaces an older document.
STEP BY STEP
How to check your cover
Find the current agreement
Compare the policy number, boat identification and periods. If an older document ends when a newer one starts, it may be a renewal. Set the older document aside when reviewing today's cover, but keep it for questions about an earlier incident.
Check the boat, engine and equipment
Check that the identification details and sum insured are current after replacing the engine or making a major change. Read how loose equipment is valued and which limits apply. A chosen sum insured is a ceiling, not a promise of the same payout for every claim.
[1][2]Separate boating damage, theft and liability
Look for cover for events such as running aground, fire and theft, and read the excess for each part. Liability cover instead applies to certain claims for damages against you. Note its maximum amount separately from the value of your boat. Engine damage may have its own conditions.
[1][2]Check winter storage and the navigation area
Read the requirements for locks, engine storage, storage on land and frost protection. Also check where the boat may be used. If you plan to leave it in the water over winter or rent it out, ask the insurer to confirm what the agreement permits before relying on the usual cover.
[3][1]
Storage can affect the conditions
A boat on land can still suffer damage. Winter storage therefore does not remove every insurance question. Insurers have specific requirements, for example for a boat left in the water or an outboard engine stored separately.
[3][2]Keep policy history separate from today's information
In My Forsio, you can bring together your boat insurance documents and read the information available in them. Check the period when comparing the renewal price. This does not confirm that every boat-specific condition has been analysed; unclear details need to be explained by the insurer.
Fictional example
The same boat, two periods.
Both documents have policy number B-208.
- Previous document
- 1 May 2025–30 Apr 2026
- Current document
- 1 May 2026–30 Apr 2027
- Sum insured
- 240 000 kr
The older document describes policy history. These periods do not show two boat policies running at the same time.
Common questions
Does home insurance liability cover apply to the boat?
Do not assume so. Read the boat's liability cover in its policy or the addition that covers the boat. For smaller boats, cover may sit in an addition to home insurance. [1]
Is mechanical damage always included?
No. Cover for engines and electronics may depend on the level of cover, age and specific conditions. Having boat insurance does not by itself confirm that an engine breakdown will be paid for. [2]
MY FORSIO
Start with the policies you already have.
Bring your documents together in My Forsio and see what the information shows. Free for individuals.
Sources and references
Sources checked
This guide explains general principles of Swedish insurance. Your policy schedule and terms set out what applies to you.