Sail with peace of mind.
To ensure you can sail with even greater peace of mind, Loc Voile Armor has carefully selected a range of specialized marine insurance options tailored for boating and sailing.
Based in Saint-Malo, Ouest Assurances offers easy online subscription and payment for cancellation insurance, assistance, repatriation, and a deductible buy-back option. Don’t hesitate—set sail with complete confidence.
Plan ahead for the unexpected.
Ouest Assurances offers a custom-built insurance plan to ensure peace of mind while sailing. Subject to guaranteed reasons, the Cancellation, Assistance, and Repatriation insurance covers:
- Up to 12 passengers on the same contract.
- The ability to reschedule or partially cancel (refund for the canceled part of the booking) or fully cancel (if one passenger has a valid reason, the entire crew can cancel).
- Full reimbursement of all deposits and payments made to Loc Voile Armor (minus the contract’s deductible).
- Provision of any necessary assistance in case of medical issues affecting the designated insured during the cruise.
RATE :
6% of the amount of your rental.
IMPORTANT: This insurance must be purchased within 14 days of your booking. Download the terms and conditions of this insurance. Other types of cancellation insurance are available on the Ouest Assurances website.
Reduce your risk in case of an incident.
For every rental, Loc Voile Armor will require a security deposit covering the deductible amount. To waive this amount, you can subscribe to the deductible buyout offer from Ouest Assurances.
This coverage is activated in the case of reasonable navigation and covers material damages sustained by the tenant as a result of clearly identified accidents resulting from collisions with external fixed or moving objects affecting the vessel, which must be recorded in the logbook.
COVERAGE RATES €4 000 – Europe Zone
4.25% of the rental amount
- +€25 for policy and legal assistance
- with a minimum of €70
With this coverage, in the event of activation, you will still be responsible for a deductible of €350, and €800 in case of propeller or lower unit damage on motorboats. Download the general terms and conditions.
Frequently questions asked
It is indeed possible. However, be cautious, as credit card insurance covers the cardholder and their immediate family (parents, children, spouse). With your card, friends, cousins, in-laws, etc., are never covered. In any case, it is essential to check with your bank for your actual coverage.
The cancellation, assistance, and repatriation insurance covers the insured (up to twelve people listed on the crew) and their family members for the following events:
Medical and family events such as death, bodily injury, illness, including those related to pregnancy.
Professional events such as dismissal, the cancellation or modification of paid leave dates, or a job transfer.
Material events such as serious damage resulting from fire, water damage, weather or natural events, or a break-in at the primary or secondary residence.
In all cases, supporting documents will be required by Ouest Assurances.
In case of assistance: organization and coverage of the measures or expenses incurred during the trip due to a covered event.
In case of trip interruption: you will be covered for the premature termination of the trip due to a covered event.
No, this is somewhat a misnomer used by insurers. In the event of a claim covered by the excess buyout insurance, a small amount will remain your responsibility: €350 or €800 in the case of propeller and lower unit damage on motorboats. If you choose to use your own insurance, don’t forget to verify this information.
For most of Loc Voile Armor’s sailboats, yes, as the maximum franchise amounts rarely exceed €4,000. Some boats, such as the 2025 Oceanis 40.1, have a franchise of €5,000. In that case, you need to subscribe to the appropriate offer, namely: “€5,000 Guarantee – Global Zone”. You will then be covered up to the amount of your deposit.
No, because Loc Voile Armor does not have an ORIAS number and is therefore not authorized to sell insurance products. To purchase cancellation or franchise buyout insurance, you will deal directly with Ouest Assurances.