Parametric sailing insurance

When the wind
fails, we pay.
Automatically.

The first parametric insurance for sailing charters. Wind fails — we pay. Automatically, within 7 days, no claim required.

Partner with us How it works

of your charter cost — the premium

35%

of your charter cost — paid back if triggered

sailing zones · any charter value

Live monitoring

Cyclades Charter

GR-CYC zone · 14–21 July 2027

Zone wind index W_zone today

18 knots

Wind OK — no trigger

0 trigger >25kt 40+

Deficit trigger

< 7 kt

avg ~4% of trips

Meltemi trigger

> 25 kt

avg ~15% of trips

Charter value

Charter value × 35% if triggered

€525

How it works

Four steps. Zero claims.

Objective meteorological data. Fully automatic.

Add at checkout

Select your sailing zone, pay 5% of charter value. Policy issued instantly.

Zone monitored

We track daily wind across 40–115 ERA5 satellite grid cells in your sailing area.

Trigger evaluated

5 days after trip end, ERA5 data is confirmed. If wind was outside range on 50%+ of days — trigger fires.

Paid automatically

35% of your charter value transferred directly. No claim. No documents. No waiting.

The trigger mechanism

Objective data.
Zero subjectivity.

ERA5 is the global atmospheric reanalysis produced by ECMWF — the same data used by national meteorological services and major reinsurers worldwide.

Zone wind index — daily calculation

For each hour h and cell c in zone bbox: speed(h,c) = √(u10² + v10²) × 1.944 Daily cell average: W_cell(d) = mean [ speed(h,c) over 24h ] Zone daily index: W_zone(d) = mean [ W_cell(d) over N cells ]

ERA5 0.25° grid (~28km). Zones average 40–115 cells. Zone averaging eliminates local anomalies and represents the entire sailing area — not a single fixed point.

Two-sided trigger

Too little wind (forced to motor) or too much (Meltemi, Mistral — stuck in port). Both covered.

Majority rule

More than 50% of trip days must breach the threshold. One bad day doesn't trigger — genuine disruption does.

Zone-based — no GPS

Customer declares their sailing area at booking. We measure wind across the entire zone — 40 to 115 ERA5 cells averaged daily.

Fully auditable

ERA5 is public and freely accessible. Any policyholder can verify their trigger result independently.

Zone-calibrated thresholds

Meltemi in Greece fires above 25 kt. Mistral in Provence above 28 kt. Brittany calms below 8 kt.

Covered sailing zones

11 zones. Every major
European charter area.

Each zone defines wind thresholds for its local regime. Premium and payout scale with your charter — the zone never changes the rate.

Your premium

of your charter value

Payout if triggered

35%

of your charter value

Same rate for every boat

A €600 dinghy or a €15,000 catamaran pay the same rate. The zone sets the trigger, not the price.

🇫🇷

Côte d'Azur & PACA

Mistral (excess) · Summer calms (deficit)

Deficit trigger

< 8 kt

Excess trigger

> 28 kt

Season

May–Sep

deficit ~8%excess ~4%

🇫🇷

Brittany & Iroise Sea

Atlantic westerlies · High-pressure calms

Deficit trigger

< 8 kt

Excess trigger

> 25 kt

Season

Jun–Sep

deficit ~12%excess ~6%

🇪🇸

Balearic Islands

Tramontane (excess) · Summer calms

Deficit trigger

< 8 kt

Excess trigger

> 28 kt

Season

Apr–Oct

deficit ~6%excess ~5%

🇭🇷

Dalmatia — Croatia

Bora (excess) · Maestral (reliable)

Deficit trigger

< 7 kt

Excess trigger

> 28 kt

Season

May–Sep

deficit ~5–6%excess ~3–5%

🇬🇷

Meltemi risk

Cyclades — Greece

Meltemi (strong N excess Jul–Aug)

Deficit trigger

< 7 kt

Excess trigger

> 25 kt

Excess freq.

~15%

deficit ~4%excess ~15% !

🇬🇷

Ionian Islands

Maestro (gentle NW) · Balanced risk

Deficit trigger

< 7 kt

Excess trigger

> 28 kt

Season

May–Sep

balanced risk

🇮🇹

Sardinia

Mistral · Libeccio · Premium charter market

Deficit trigger

< 8 kt

Excess trigger

> 28 kt

Season

May–Sep

deficit ~7%excess ~6%

🇫🇷

French Antilles

NE Trade winds · Very reliable

Deficit trigger

< 10 kt

Excess trigger

> 32 kt

Season

Dec–Apr

deficit ~3%trade wind reliable

More zones being added.
Costa Brava · Corsica · Turkey

Payout mechanics

Trip ends.
Wind data checked.
You get paid.

From trip end to money in your account in under 7 days.

✓

Trip ends

Policy flagged for assessment.

+5d

ERA5 data retrieved

Daily zone wind index W_zone(d) computed for each charter day from ECMWF Copernicus CDS.

→

Trigger evaluated

Deficit or excess days counted. If either exceeds 50% of trip duration: trigger fires.

→

Full report sent

Email with daily wind values and threshold comparison — triggered or not, every time.

€

Payout transferred

35% of your charter value sent to your original payment method within 2–3 business days.

Worked example — Côte d'Azur, 7-day charter

Charter value (your boat cost)€1,400

WindSure premium (5% of charter)€70

Payout if triggered (35% of charter)€490

Deficit threshold for this zone< 8 kt daily avg

Excess threshold for this zone> 28 kt daily avg

Days needed to trigger (50% rule)> 4 of 7 days

Net recovery if triggered+€420 (after premium)

A €10,000 catamaran pays €500 premium → receives €3,500 if triggered.

Day-by-day scenario — Mistral event

Day 1 — 24 ktOK

Day 2 — 31 ktExcess breach ✗

Day 3 — 34 ktExcess breach ✗

Day 4 — 36 ktExcess breach ✗

Day 5 — 29 ktExcess breach ✗

Day 6 — 22 ktOK

Day 7 — 18 ktOK

Result: 4/7 days excess (57%)TRIGGER → 35% of charter

For charter platforms

One API call.
New revenue.

Embed WindSure at checkout. Earn 10% on every policy. We handle everything else.

Single API integration
One POST to /quote at checkout. Policy issuance, trigger monitoring, and payouts — all handled by WindSure.
10% on every policy
The higher the charter value, the more you earn. A €15,000 catamaran booking earns you €75 — for zero effort.
Convert hesitant bookers
"What if the wind is terrible?" — WindSure answers that question directly at the moment of purchase.
Zero liability
Regulated insurance underwritten by a licensed carrier. All obligations are ours.

Integration at checkout

Single API call — returns quote in <200ms

// At checkout — pass zone + dates + actual charter cost POST /v1/quote { "zone_id": "FR-MED-PACA", "trip_start": "2027-07-14", "trip_end": "2027-07-21", "charter_value": 4500 // your boat's actual price } // Response — premium = 5%, payout = 35% of charter { "premium_eur": 225, // 5% of €4,500 "payout_eur": 1575, // 35% of €4,500 "zone_name": "Côte d'Azur & PACA", "trigger_low_kt": 8, "trigger_high_kt": 28 }

Pricing formula5% of charter value

Payout formula35% of charter value

Your commission on a €1,000 booking€5.00

Your commission on a €5,000 booking€25.00

Your commission on a €15,000 booking€75.00

API response time<200ms

Get in touch

Interested in
a partnership?

We're in pre-launch discussions with a small number of charter platforms. If you want to be first to market, get in touch.

What happens next

Reply within 48h from Paul, WindSure founder

20-minute call to understand your platform and volumes

Full API documentation and actuarial memo on request

No commitment — we're validating, your feedback matters

When the windfails, we pay.Automatically.

Four steps. Zero claims.

Add at checkout

Zone monitored

Trigger evaluated

Paid automatically

Objective data.Zero subjectivity.

Two-sided trigger

Majority rule

Zone-based — no GPS

Fully auditable

Zone-calibrated thresholds

11 zones. Every majorEuropean charter area.

Trip ends.Wind data checked.You get paid.

Trip ends

ERA5 data retrieved

Trigger evaluated

Full report sent

Payout transferred

One API call.New revenue.

Single API integration

10% on every policy

Convert hesitant bookers

Zero liability

Interested ina partnership?

When the wind
fails, we pay.
Automatically.

Objective data.
Zero subjectivity.

11 zones. Every major
European charter area.

Trip ends.
Wind data checked.
You get paid.

One API call.
New revenue.

Interested in
a partnership?