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Frequently Asked Questions

Have questions? Have a look at our frequently asked questions below. Don’t worry if you don’t see your question here – get in touch with our team and we’ll endeavour to answer your question as soon as possible.

Insurances are there to protect against misfortune, to varying degrees. So whatever you think about happening, you might want to insure against it happening. Normal insurances cover day to day living such as; medical insurance, personal accident insurance, sickness insurance, life insurance, as well as personal possessions insurance and travel insurance when required.

Medical Insurance exists to cover any medical bills you incur wherever you are in the world even in the United States, our clients can enjoy this level of cover.

Accident Insurance is what it says on the tin. Your Medical Insurance will cover your bills, but what about your income if you have that accident? Our clients choose from a range of options starting at 16 weeks of cover with just 7 days of waiting until the Insurance begins paying, to 104 weeks with 28 days of waiting. The options also cover either 50% of your salary or 100%

Sickness Insurance – If you have personal accident insurance, you also have the option of making sure that you are covered in any eventuality by extending your coverage to sickness cover, this works in the same way as accident insurance but covers you in the event of sickness.

If someone depends on you, you probably need life insurance.

The Superyacht Crew Plan cover includes off the boat, no matter the reason why. Not all insurance policies are the same, so the only way to find out if yours does is to check.

Our Policies can give full cover for the US. As with being on or off the boat, all Policies are not the same, check yours.

Yes! If you are between yachts you aren’t covered. If whilst on a yacht group scheme you suffer an illness, then this becomes a pre-existing condition and you will find it difficult to get this covered in the future under a personal plan. The best advice is take your policy with you and protect yourself as no one else will.

We make sure we have a close relationship with the claims department of our Insurers. We do this to make sure our client’s claims are dealt with as quickly as we would want our own claims dealt with.

As short a time as possible is the first answer. However this can mean different things to different Insurers, which is why we always keep an eye on progress.

Most of our policies, as they are International, are ’ pay as you go’ policies, which means that if you visit the doctor or dentist you would pay for the service and then request reimbursement. If you are admitted to hospital then the insurer will most likely pay the hospital directly.

Most reimbursements will generally be issued within 14 days, this is assuming that you have completed the claims form correctly and submitted the required invoice and proof of payment.

You should always check this. We have relationships with tax advisers we can put you in touch with who will always be able to answer this question. To find out more, click here.

Yes you can. In the past, Yacht crew have found this difficult because of their lifestyle and the very nature of their job, even applying for a Mortgage can be a chore that is put off. We have relationships with Mortgage Brokers who have a specialisation in obtaining Mortgages for Yacht Crew. Want to know more? Click here

Check with your Bank, see what they are offering, then compare to your Foreign Exchange provider. If your FX provider isn’t beating your Bank, you need a new FX provider. You might want to check out the provider we use, click here

Most banks now offer this facility. You can choose from any of them, if you have the time. We have helped hundreds of crew open accounts over the years. We help with the paperwork, the applications, the supporting documents and all the details. Want our help? Click here.



+44 (0)7476 592592
Skype: melanie.langley.mscb

Crew Benefits Adviser

+44 (0)7445 055303
Skype: john.colborne.mscb

Contact Us

Want to find out more? Please call +44 (0)1624 662020, email enquiries@mdcb.im or
fill out our enquiry form here.