Individuals

Boats

In port and at sea, with liability properly covered.

Request a review 93 363 07 70
Sailing boat anchored in a Mediterranean cove
Compulsory liability
Included
Towing at sea
Subject to a limit
Scope
Matched to your actual use

Marine insurance has two sides: damage to the vessel itself and third-party liability, which is compulsory and can reach large sums. We match the navigation area to your actual use, because over-insuring costs money and under-insuring leaves the claim uncovered.

What the policy includes

  • Compulsory boating liability insurance
  • Damage to the hull and engine
  • Theft of the vessel and equipment
  • Assistance and towing at sea
  • Occupant accident cover
  • Cover while moored and laid up ashore
Applicable regulation

Real Decreto 607/1999 (Royal Decree on compulsory insurance for pleasure craft)

Liability insurance is compulsory.

Pleasure craft and personal watercraft must have insurance covering liability for injury to people and damage to third-party property, with the minimum limits set by law.

Sailing without it can result in a fine and, above all, leave you personally liable, with your own assets, for an accident on the water.

  • Applies to pleasure craft and personal watercraft
  • Covers damage to third parties, including swimmers and other vessels
  • The minimum limits can be increased, and usually are
Deck of a sailing boat with a coiled rope and a winch facing the sea

Cover that makes the difference at sea.

1 / 6

Marina with sailing boats moored at dawn

A policy tailored to your navigation area.

The navigation area defines how far the policy covers you. An area that is too wide makes the premium more expensive; one that is too narrow can leave a claim without cover.

We ask about your usual outings, your summer passages and where you moor, and match the navigation area to that use.

Marine insurance glossary.

Hull
The vessel itself, including the engine and fixed equipment.
Laid up ashore
The vessel running aground or resting out of the water.
Navigation area
The geographical area in which the policy applies.
Agreed value
An amount agreed in advance that is paid out in the event of a total loss.
Sailing boat ashore on stands in a boatyard next to the harbour

Questions about boats.

What navigation area do I need?

The one you actually use. Paying for international navigation when you never leave the Catalan coast is money wasted; conversely, sailing beyond the agreed area leaves the claim without cover.

Does the insurance cover towing if my engine fails?

Good policies include assistance and towing at sea, subject to a limit. It is one of the most frequently used covers.

Does it cover my guests on board?

Liability cover, yes. Occupant accident cover is usually separate and it is advisable to take it out.

Before the season starts, we review your marine policy.

Request a review or call 93 363 07 70
Call Free quote