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What does a damage waiver actually cover?
Only the written terms can tell you what a particular waiver changes and what remains excluded.
A damage waiver may reduce specified financial responsibility under a hire agreement. Do not assume it removes every liability or provides the same cover as an insurance policy.
Questions for the operator
Ask what is covered, what is excluded, whether a limit applies per incident or per charter and which conditions could affect it. Include the tender, equipment and any activities you plan to use in the conversation.
Ask the operator to explain an example relevant to your booking, but also obtain the full written terms. Put questions about your own insurance directly to the provider.
See the bond explanation and booking checklist.