Sumara of Weymouth

14th March 2022 – London (Updated 26th November 2025)

Reading time: 15 minutes

There are probably going to be four parts to insuring an expedition yachting trip heading for the high latitudes. Firstly, insuring the boat, secondly insuring the crew for any potential search and rescue costs, thirdly covering medical costs and finally a general holiday insurance if transfer flights etc are involved. Generally, this will involve four separate policies. Let’s start with the yacht.

High Latitude Sailing Yacht Insurance

I wasn’t too sure if I would ever get insurance for Sumara, a 26 ft wooden yacht, to cover the Greenland part of her trip, but I was very keen to have some cover for Iceland. My concern was that an Icelandic Harbour Master may ask to see your insurance cover and I didn’t want that worry hanging around me.

I was insured with Pantaenius so obviously I asked them to extend my cover to Iceland, but sadly they refused. Their decision was a bit strange as they had insured me for a single-handed Trans-Atlantic trip a while ago. I have heard that Pantaenius UK are no longer insuring smaller yachts with a value under £80k. It may have just been a vicious rumour, but perhaps there has been a genuine change of policy. They do have a good reputation, so if you own a smaller yacht, and are already insured with them, its probably best to stick with them until you need to extend your sailing range. Pantaenius have offices in other counties which seem to take a different view of these things.

So, the search was on for a new insurance broker.

I put an insurance value of £30k on my boat, but to me it is worth the world. I have cared for the boat for over 30 years and the recent refit cost over £30k. The boatbuilders said that to rebuild the boat to the same standard as Sumara would cost around £200k! It would, of course, be pointless insuring her for that sum as the insurance value is based on “Market Value” and £30k is the top end for a 26ft Vertue of any quality.

So if I were to lose the boat, I would hardly be compensated by an insurance pay-out of £30k. I think a good broker can sense these things which can help to secure some cover. They know that you will do everything you can not to endanger the yacht and everything to ensure she arrives safely at her destination.

It is highly unlikely that an inexperienced skipper with no qualifications would be able to get cover to sail into high latitude areas. The RYA Ocean Yachtmaster qualification and Tilman Medal, coupled with a decent sailing history and no claims, all really help to secure some cover. It’s worth getting those RYA exams under your belt as soon as you can as they will be of most benefit to a young enthusiastic sailor rather than an Old Sea Dog taking them just to get insured.

One problem sometimes encountered when you change insurance companies is that they may ask for a survey. Not such a bad thing if you are buying the boat, but maybe a bit pointless it you have an intimate knowledge of your boat which has recently had a full refit. So it’s best to keep a record of everything. Don’t loose the invoice covering that new rigging. Show them your annual maintenance check list and any reports from engineers etc.

My new insurers are Howden Fastnet who did not insist on a new survey and were happy to accept my 2015 survey, coupled with the knowledge that my rigging has all been renewed and the boat had a major refit a few years ago. Richard Power was very helpful and secured cover for my entire voyage including the Greenland section. Obviously, the premium for extending the range to cover Greenland was quite a bit more than the normal “Elbe to Brest” insurance. It cost £1,680 including taxes but it will reduce back to a very reasonable amount when I revert to pottering on the East Coast.

Richard Power, Managing Director, Howden Fastnet Insurance +44 (0)23 8063 6677

Search and Rescue Insurance

There are all sorts of wheezes with SAR Insurance but sadly none of them seem to work in Greenland.

I don’t know who discovered it, but some bright spark found out that the annual membership subscription for the Austrian Alpine Club which included SAR insurance was cheaper than just getting insurance cover. So, thousands of canny Brits joined the Austrian Alpine Club! The Austrians must have been very proud of the keen interest in their region from all the Brits, not realising that it was not entirely due to their love of the Austrian Alps.

Another wheeze that I have used in the past is “Adventure Holiday Insurance”. These policies are primarily designed for gap year students going white water rafting in Thailand type of thing. Generally, the adventurous activities are actually rather safe so the premiums can be very reasonable. I asked all my crew on my voyages to Svalbard and Jan Mayen to take out insurance with P J Hayman & Company Ltd. It cost about £50.00 each and saved me putting up a security bond of tens of thousands of pounds. However, as usual, Greenland is now excluded!

I went uninsured on my last trip to Greenland and would have been willing to take the risk again but my crew couldn’t risk the consequences of needing to fork out £60k to be rescued. It is the high cost of SAR in Greenland which makes most insurance companies exclude it. So I had a dilemma, how could I find SAR insurance for my crew.

As I am a member of the Arctic Club I decided to ask them. If anyone should know, they should. I was the first person to use the Arctic Club forum and it prompted this response from the Danish Ex-President of the Arctic Club – Peter Schmidt Mikkelsen

Hi Alasdair,

I would recommend to get a SAR insurance at IERCC https://www.iercc.com/en-US/

They also cover Greenland and their prices are very reasonable.

Kind regards

Peter Schmidt Mikkelsen

And that was a great piece of advice!

So who are IERCC?

INTERNATIONAL EMERGENCY RESPONSE COORDINATION CENTER (IERCC)

The IERCC is the world leader in emergency response coordination services and is a global Search and Rescue Coordination Centre for supported Satellite Emergency Notification Devices with an active satellite service plan.

In order to use their rescue service you must use one of their supported devices to alert their rescue service. There are lots of approved devices:

https://www.iercc.com/en-US/supported-devices/

I chose the Garmin Inreach Mini which irritatingly was superseded by the Garmin Inreach Mini 2 two days after my purchase!

You can then choose to purchase a rescue plan to cover up to $50k or $100k for just £29.99 or £39.99 each person per year which is most definitely a bargain even taking into account the cost of the Garmin Inreach.

Full details of the Inreach are featured on my other blog;

New Toys – GME Epirb and Garmin Inreach Mini

Update 13th June 2025

Sadly I have just received this email from Garmin:

“You are receiving this email because you have a billing address in United Kingdom and one or more Garmin SAR insurance plans.

Garmin SAR insurance plans are no longer available for purchase in your country and existing plans will no longer be renewable beginning 10 September 2025.

Your SAR insurance plan(s) have a term end date(s) on or after 10 September 2025 and cannot be renewed. Coverage for each plan will end at the end of the current term for that plan.

Note: This change does not impact the SOS capabilities of your device. You will continue to have SOS monitoring and response by Garmin Response℠.

To view details for your plan(s), please visit Garmin.com/subscriptions.

You will receive additional emails with more information prior to the term end date(s) for your plan(s).

We apologise for any inconvenience.”

The search continues. I will update the blog if I find any relevant information.

Update 26th November 2025
I have found a replacement to the Garmin insurance run by a company called Overwatch X Rescue. Their marketing blurb states

“Overwatch X Rescue is your comprehensive Emergency SOS Subscription Service providing 24/7 incident, accident, and emergency assistance coordination for all outdoor enthusiasts. Ensure your safety beyond cell phone range—so you can focus on the journey, not the risks.”

There is an annual subscription currently $79.99 per year. Setting it up is a bit fiddly as you need to send a specific text message to get rescued. The text message has to include your exact location which the Inreach device can add automatically. That was where I got a bit confused but I will go through it again with someone a bit more IT savvy and hopefully get it properly set up.

I think the dilemma is that the recue has to be through the Overwatch X Rescue service. If I was in need of rescue I suspect I would use my eprib and VHF and not just rely on the Inreach.

Update 23rd January 2026

I am afraid the “Anywhere, Anytime” emblazoned on the Overwatch website needs to be taken with a large pinch of salt. A friend warned me that the policy doesn’t cover high latitudes so I wrote to them and received this reply:

Hello Alasdair,

Thank you for your question regarding your upcoming sailing trip to Scoresby Sund. I am more than happy to provide clarity on how your Overwatch x Rescue plan applies to your travel in Greenland.

Coverage in Greenland and the Arctic Circle

While Overwatch x Rescue provides worldwide coordination, there are specific geographical limitations regarding financial coverage. According to our Terms and Conditions, travel to the Arctic and Antarctic Circles is excluded from our medical and security assistance benefits.

Scoresby Sund is located above the Arctic Circle in Greenland. Therefore, any incidents occurring in this area are unfortunately excluded from the plan’s financial coverage. This limitation exists primarily due to the significant connectivity challenges for satellite communication devices in these extreme northern regions.

“Anytime, Anywhere” and Coordination vs. Coverage

I understand the website mentions “Anytime, Anywhere” support. It is important to differentiate between the coordination of a rescue and financial coverage:

• Coordination: In the event we receive an SOS alert from you while in the Arctic Circle, our Crisis Response Center will do everything in our power to coordinate your rescue with local authorities.

• Financial Coverage: Because the Arctic Circle is a listed exclusion, the financial benefits of your plan—such as the direct payment of rescue or medical evacuation costs—would not apply in this region.

Maritime Limitations

Additionally, for incidents that occur at sea, our search and rescue benefits apply when a subscriber is within a reasonable proximity to a port or shoreline.

Please refer to the image below for additional geographic limitations related to the Arctic regions. Any location above 66 degrees north or below 66 degrees south is excluded.

We recommend reviewing the full Terms and Conditions to ensure you understand the scope of your coverage before you depart.

Please let me know if you have any additional questions. I am more than happy to answer any other questions you may have.

Best Regards,

Putting that on their website rather than hiding it in the Terms and Conditions would have been helpful. Back to the drawing board!

Medical Insurance etc

The above insurance policies will cover the rescue but not medical costs. You can buy holiday Medical Insurance for a reasonable price from many companies. It will additionally cover loss of baggage, flight cancellations and all that jazz. The problem with standard Medical Insurance is that it will normally exclude the very activity that you want to do. Here are a couple of extracts from Aviva’s Medical Insurance:

Leisure activities You are automatically covered for claims arising from your participation in most leisure activities on an incidental and recreational basis. See “Leisure Activities” section. There is no cover at all where the main purpose of your trip is to take part in a leisure activity.

Exclusions You taking part in exploration or scientific expeditions or being a crew member on a vessel travelling from one country to another;

Even with these exclusions, I was getting a quote of over £600 for two months in the high latitudes.

It is important that you don’t confuse Holiday Insurance with Medical Insurance as most holiday insurance is aimed at flight cancellation, baggage loss etc and will exclude medical costs. If you are of a cautious disposition you may feel you need both.

I did take out medical insurance for my transit of the Northwest Passage on Will Stirling’s wooden boat “Integrity” it cost £955 in 2023 to cover about six weeks travelling from Resolute to Nome in Alaska. I eventually used P. J. Hayman.

02392 419 070 or email direct.sales@pjhayman.com.

Beware that if any sponsorship for the journey is involved (above a very small sum) the insurance will be invalidated. This can be a problem if you have just taken out an expensive policy when the Skipper announces a brilliant sponsorship deal has just been secured!

As always, trawl thoroughly through the small print, or it could catch you out. Even a broken arm in USA can cost $16,000 to repair!