Warranties for boats and jet skis

Typical boat insurance coverages

Below we will indicate, in broad outline, the possible guarantees that you can take out through the insurers for this type of insurance. However, it is important to note that, due to the large number of companies and products available, you should always check with your insurer or intermediary the exact conditions of your quote and the coverage included. If you have already taken out your policy, we recommend that you check the General Terms and Conditions and the Special Conditions to get a good understanding of what is covered.

This type of insurance is generally aimed at vessels whose registration number appears in the 6th and 7th lists. scope of navigation. This information can have a direct influence on the guarantees included. If nothing is specified, the default scope is usually Spanish maritime waters.

Do you want to find out what types of protection really cover your boat? Imagine you're sailing and... you need help! In this article I explain, step by step and without technicalities, the most common guarantees in boat insurance. Are you ready to know everything you need?

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1. What is covered by the Compulsory Civil Liability?

This guarantee is basic and legally binding. Its function is to cover damage caused by your boat to third parties:

• Personal damages: up to €120,202.42 per victim and €240,404.84 per claim.
• Material damage and economic loss: up to €96,161.94 per claim.

Thanks to the royal decree 607/1999These coverages are the minimum basis for safe navigation without legal risks. If you need more cover, read on.

2. Why contract the Extended or voluntary civil liability?

Mandatory coverage may fall short if your boat is large or you use it in crowded areas. The extended, also called voluntary, allows you to increase the limits for:

• Protection against serious damage to third parties.
• Greater peace of mind in areas of risk or intensive navigation.

Analyse your type of boat and use; if you expect more risk, this warranty is a wise investment.

3. Defence and claims for damages (Legal Protection)

Did you know that your insurance can include legal back-up? This guarantee covers:

• Legal defence and bail in court.
• Claims for damages against third parties.
• Legal advice by telephone, for regulatory emergencies.

It can be applied in Spain and, if you extend it, in international navigation. Check the scope of legal coverage.

4. Assistance: persons and vessel

Useful when something unexpected happens:

Assistance to persons

Covers transport to hospital, repatriation, medical expenses or return transport after illness or accident.

Vessel assistance

Includes towing to the nearest port in case of breakdown or accident. Insurance companies apply limits according to different tables, so it is advisable to check this carefully.

5. Personal accidents

This cover protects the occupants of the boat. It is activated in cases such as:

• Death or permanent disability (with different levels of capital).
• Medical expenses arising from accidents during navigation, embarkation, disembarkation or water sports.

Normally you can choose different levels: the higher the level, the better the compensation in the event of a claim.

6. Own damage

In contrast to civil liability, this guarantee covers your boat in situations such as:

• Total loss due to accident or theft.
• Partial damage, such as fire, collision, vandalism, breakdown, theft or attempted theft.
• Damage to engines, accessories, road transport, launching or dry-docking.

It is essential to check the exclusions carefully: each insurer sets specific conditions.

7. Personal effects

Do you have personal belongings on board? This coverage covers their loss, damage or theft if they are declared and insured within the limits established by policy.

Secondary keywords for your reference

• Jet Ski Insurance
• Jet ski insurance
• Marine Motorcycle Insurance

💡 Tips on how to choose your boat insurance wisely

1. Define the use: recreational, competitive, professional. This influences the necessary safeguards.
2. Compare limits: extended liability and own damage vary greatly from policy to policy.
3. Check attendance limits: summarises how much towing or medical care is covered.
4. Legal protection: ideal if you think you might need legal defence or advice.
5. See exclusions: some companies do not cover certain claims (such as out-of-hours sailing).

And how does this affect your budget?

Basic insurance (compulsory liability only) is the cheapest, but also the least comprehensive. Adding extended cover, own damage and assistance increases the cost, yes, but also gives you more security. The final price depends on:

• Vessel characteristics (length, type of engine).
• Actual use you make of it.
• Claims history.

Summary of guarantees and levels of protection

Conclusion

In short, the Typical boat insurance coverages go far beyond the legal minimum. The greater the use and value of your boat, the more it is advisable to extend cover: civil liability, legal defence, assistance, accidents, own damage and personal effects.