What is meant by boats 1

Technical terms relating to boat insurance - and their meaning

Table of Contents

From the dinghy to personal effects and other nautical terms. 10 examples from on-board practice.

1. Which items are personal effects on board my boat or yacht?

In our experience, there is a lot of uncertainty among boat and yacht owners on this topic. Regardless of whether you are a “beginner or a professional.” Even with some providers of boat and yacht insurance there is this ignorance when you look at their websites.

Personal effects are valuables that are not part of the immediate equipment of the ship (e.g. mobile phone, laptop PC, sunglasses, cameras, fishing gear, television, oilskin, etc.).
If you are not sure whether it is a question of securities or equipment, ask your insurer.

2. What is a boat trailer and do I have to insure it separately?

Boat trailers are special trailers for transporting sport boats on the road. As a rule, trailers have a green license plate and are subject to TÜV approval. Trailers used to transport sports equipment are not required to be insured in Germany.

At Neubacher, you can also insure your boat trailer with the boat's comprehensive insurance. It is automatically covered in our liability insurance.

3. What is the definition of a dinghy and do I have to mark it?

The term "dinghy" is mentioned in various shipping police regulations, but not defined. From the general usage it can be deduced that a dinghy is an accessory to a larger watercraft and even belongs to the category of small vehicles such as boats (flat boats or barges) or dinghies. It either does not have its own drive or only has an auxiliary motor. It is primarily used to translate people or pilots, to transport goods, to catch up with the anchor or to rescue from distress at sea.

In larger sports boats, they are carried on deck or on davits at the transom. Sometimes dinghies are simply towed. Most dinghies these days are motorized. As long as a “dinghy” is used in this function, it is subject to the simplified regulations of the traffic regulations.

4. This is how I attach my license plate number to the dinghy!

Labeling according to the provisions of the “Labeling Ordinance” is therefore not required. Instead, according to § 2.02 No. 2 of the BinSchStrO, a label attached inside or outside is sufficient, which allows the identification of the owner, even if only by means of a clear reference to the main vehicle to which it belongs.

Section 2.02 BinSchStrO

License plates of the small vehicles

1. Unless a small vehicle has to have an officially or officially recognized registration number due to special regulations, it must be permanently marked as follows, with the exception of a sailboard:

a) with his name or his motto.

The name must be affixed to both outer sides of the small vehicle in easily legible Latin characters at least 10 cm high. In the absence of a name for the small vehicle, either the name of the organization to which it belongs or its common abbreviation, in the case of several vehicles of the organization followed by a number in Arabic numerals. The characters must be applied in light color on a dark background or in dark color on a light background. If, in a case of sentence 3, a small vehicle is marked with a number in Latin digits, this marking may be continued.

b) with the name and address of the owner.

The owner's name and address must be posted on the inside or outside of the small vehicle.

2. However, a dinghy of a vehicle must only have a number plate on the inside or outside that allows the owner to be identified.

However, as soon as a "dinghy" is used in a different function, that is to say for journeys, it is subject to the general regulations, usually the regulations for small vehicles. For example, if it is motorized with more than 2.21 kW, it is subject to the labeling ordinance.

By the way, Neubacher also insures your dinghy with comprehensive insurance and liability insurance if you wish.

5. What is the meaning of the CE number and what should I pay attention to?

Pleasure craft and pleasure boats may only be operated and sold in the European Union if they are CE certified. As an accredited test and certification body, GL carries out tests and issues CE marks. The certification confirms that a boat meets the required safety requirements.

The recreational craft directive (Directive for Recreational Craft / 94/25 / EC) applies to boats from 2.5 to 24 m hull length. Shipyards, importers and private owners alike are responsible for ensuring that every boat they bring to market is compliant.

Boats without a CE mark that were marketed within the European Union by June 16, 1998 are deemed to have been "placed on the market" before the cut-off date and can be resold without any further restrictions. However, the dealer should inform the customer of this fact, as he can expect the mandatory CE mark for new boats.

If the notice is omitted, the customer can request the conversion of the sales contract. Source: Germanischer Lloyd

6. Do I need a registration number / license plate number for my boat and where can I get it?

You can get it when you register at a Waterways and Shipping Office (WSA). This has the form "RZ-AL 111", for example. (WSA Lauenburg)

  1. Since March 1, 1995, pleasure craft must be marked with a license plate on German inland waterways.
  2. Marking is not required on the maritime waterways. The ship's name and home port are sufficient here.
  3. Personal watercraft may only be used in inland areas as well as in the sea area if they are provided with an official registration number.

Private boats that are rented out commercially require a boat certificate according to: Sport Boat Rental Ordinance inland or according to the See-Sportbootverordnung - SeeSpbootV. Source: WSA

7. A topic that is often discussed, the keeping of a sea diary (logbook)!

According to the Maritime Adaptation Act, Section 2, Paragraph 1, Ship Safety, keeping a sea diary is mandatory for all ships that are intended for seafaring and whose owners are Germans residing in the Federal Republic, i.e. flying the federal flag.

So if a recreational skipper with a sports boat over 6 m in length regularly moves into areas outside the limits of seafaring (in the Kiel Fjord it is outside the line Leuchtturm Friedrichsort - Ehrenmahl Laboe), he must keep a sea diary.

The legislature has so far dispensed with fixed formal requirements for a sea diary (logbook) for pleasure craft, but it appeals to good seamanship and the personal responsibility of every water sports enthusiast to behave as a proper skipper, and this includes, among other things. keeping a ship's diary or logbook, as we call it according to the old custom in recreational shipping. The skipper can of course also use this logbook to call a second person, e.g. B. instruct the skipper. Source DMYV

8. Why should I observe the “rules of good seamanship”?

It is a legal term and is used in court proceedings to assess responsible behavior, taking into account common practice to avoid harm and danger. It mostly refers to the collision avoidance rules. There is talk of "precautionary measures that require general nautical practice or special circumstances of the case."

This refers to precautionary measures that go beyond the legally prescribed rules, such as wearing a life jacket and life belt in heavy seas, or a forward-looking trip planning that includes possible weather changes.

Although these terms are only defined by case studies from practice, they almost have the character of a law when decisions are made by maritime offices. In addition to common sense, safety recommendations such as the brochure “Safety in the Sea and Coastal Areas” from the Federal Maritime and Hydrographic Agency (now replaced by the brochure “Safety on the Water - Guidelines for Water sports enthusiasts ”, published by the Federal Ministry of Transport, Building and Urban Development). Source: Wikipedia boat and yacht engines

9. Bunkering what is that again and what should I pay attention to?

The word has nothing to do with the bunker that certain people want to hide in. It is a matter of supplying a ship with fuel and water, among other things.

Why does this term appear here in the rubric?


In a boathouse fire on July 5th, 2013, the boathouse hall and 18 boats went up in flames.

The investigator of the cause of the fire determined the following:
“The fire started as a result of the transfer of carburetor fuel from a petrol can into the boat's tank and the resulting electrostatic charge and subsequent discharge. The appraiser also explains that recently low-boiling ethers have been added to petrol, which further reduces the flash point and ignition point. "

The investigative authorities could not determine the fault of the owner, who refueled his boat and thereby started the fire.

In terms of insurance, this means that the person whose boat burned down as a result of this severe boathouse fire and did not take out suitable comprehensive insurance for his own boat must now pay the damage out of his own pocket. The reason for this is the fault liability for damage caused by the motorboat.

As a preventive measure, we of course recommend that you make yourself knowledgeable and observe the recommendations of the water police or simply consult them.

10. Watts or rather horsepower. The performance data for diesel and gasoline engines!

PS = Horsepower a unit for power that is still often used today

It goes back to James Watt, who wanted to show a clear unit of measurement for the power of steam engines. Horsepower should indicate how many horses a machine can replace.

KW = Watt is the international system of units for power. Introduced as a replacement for PS since 1978 in the FRG and since 1970 in the GDR.

hp = Horsepower American name for power, measured without ancillary units,

Conversion table - HP, KW and hp conversion factors
  • 1 PS (horsepower) = 1.000000 (PS) = 0.735499 (kW) = 0.986320 (hp)
  • 1 kW (kilowatt) = 1.35962162 (PS) = 1.000000 (kW) = 1.341022 (hp)
  • 1 hp (Horsepower) = 1.01400000 (PS) = 0.74560000 (kW) = 1.000000 (hp)

11. Why does the insurer need the sales contract for the yacht?

Document on the purchase / sale of a boat. Is absolutely necessary after the sale of the boat for deregistration and cancellation of the contract with the insurer.
If the vehicle is sold, the insurance contract is transferred to the purchaser at this point in time, in accordance with Sections 95 to 98 VVG.
In the event of a claim, the purchase contract can also be requested from the insurer as proof of ownership.

With these explanations we do not lay claim to the correctness and completeness of the information and recommendations for action.

Note: We do not claim to be correct or complete with our statements. You can find everything you need to know about insurance coverage for boats, yachts and ships in our insurance conditions.