{"id":2595,"date":"2025-06-28T08:32:50","date_gmt":"2025-06-28T08:32:50","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2595"},"modified":"2025-07-14T14:36:08","modified_gmt":"2025-07-14T12:36:08","slug":"boat-and-jet-ski-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/","title":{"rendered":"Warranties for boats and jet skis"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#Garantias_usuales_en_los_seguros_para_barcos\" >Typical boat insurance coverages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#1_%C2%BFQue_cubre_la_Garantia_de_Responsabilidad_Civil_Obligatoria\" >1. What is covered by the Compulsory Civil Liability Guarantee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#2_%C2%BFPor_que_contratar_la_Responsabilidad_Civil_ampliada_o_voluntaria\" >2. Why take out extended or voluntary civil liability?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#3_Defensa_y_reclamacion_de_danos_Proteccion_Juridica\" >3. Defence and claims for damages (Legal Protection)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#4_Asistencia_personas_y_embarcacion\" >4. Assistance: persons and vessel<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#Asistencia_a_personas\" >Assistance to persons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#Asistencia_a_la_embarcacion\" >Vessel assistance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#5_Accidentes_personales\" >5. Personal accidents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#6_Danos_propios\" >6. Own damage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#7_Efectos_personales\" >7. Personal effects<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#Palabras_clave_secundarias_para_tu_referencia\" >Secondary keywords for your reference<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#%F0%9F%92%A1_Consejos_para_elegir_bien_tu_seguro_nautico\" >\ud83d\udca1 Tips on how to choose your boat insurance wisely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#%C2%BFY_como_afecta_esto_a_tu_presupuesto\" >And how does this affect your budget?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#Resumen_de_garantias_y_niveles_de_proteccion\" >Summary of guarantees and levels of protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-and-jet-ski-insurance\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Garantias_usuales_en_los_seguros_para_barcos\"><\/span>Typical boat insurance coverages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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 <strong>General Terms and Conditions<\/strong> and the <strong>Special Conditions<\/strong> to get a good understanding of what is covered.<\/p>\n<p>This type of insurance is generally aimed at vessels whose registration number appears in the 6th and 7th lists. <strong>scope of navigation<\/strong>. This information can have a direct influence on the guarantees included. If nothing is specified, the default scope is usually Spanish maritime waters.<\/p>\n<p>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?<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Insure your boat with real guarantees<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Find out what cover you need depending on your boat, jet ski or type of navigation.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Asegura+tu+embarcaci%C3%B3n+con+garant%C3%ADas+reales\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"1_%C2%BFQue_cubre_la_Garantia_de_Responsabilidad_Civil_Obligatoria\"><\/span>1. What is covered by the <strong>Compulsory Civil Liability<\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This guarantee is basic and legally binding. Its function is to cover damage caused by your boat to third parties:<\/p>\n<ul>\n<li>Personal damages: up to \u20ac120,202.42 per victim and \u20ac240,404.84 per claim.<\/li>\n<li>Material damage and economic loss: up to \u20ac96,161.94 per claim.<\/li>\n<\/ul>\n<p>Thanks to the royal decree\u00a0<a href=\"http:\/\/www.boe.es\/boe\/dias\/1999\/04\/30\/pdfs\/A15894-15896.pdf\" target=\"_blank\" rel=\"noopener\">607\/1999<\/a>These coverages are the minimum basis for safe navigation without legal risks. If you need more cover, read on.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_%C2%BFPor_que_contratar_la_Responsabilidad_Civil_ampliada_o_voluntaria\"><\/span>2. Why contract the <strong>Extended or voluntary civil liability<\/strong>?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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:<\/p>\n<ul>\n<li>Protection against serious damage to third parties.<\/li>\n<li>Greater peace of mind in areas of risk or intensive navigation.<\/li>\n<\/ul>\n<p>Analyse your type of boat and use; if you expect more risk, this warranty is a wise investment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Defensa_y_reclamacion_de_danos_Proteccion_Juridica\"><\/span>3. Defence and claims for damages (Legal Protection)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Did you know that your insurance can include legal back-up? This guarantee covers:<\/p>\n<ul>\n<li>Legal defence and bail in court.<\/li>\n<li>Claims for damages against third parties.<\/li>\n<li>Legal advice by telephone, for regulatory emergencies.<\/li>\n<\/ul>\n<p>It can be applied in Spain and, if you extend it, in international navigation. Check the scope of legal coverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Asistencia_personas_y_embarcacion\"><\/span>4. Assistance: persons and vessel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Useful when something unexpected happens:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Asistencia_a_personas\"><\/span>Assistance to persons<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Covers transport to hospital, repatriation, medical expenses or return transport after illness or accident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Asistencia_a_la_embarcacion\"><\/span>Vessel assistance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Accidentes_personales\"><\/span>5. Personal accidents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This cover protects the occupants of the boat. It is activated in cases such as:<\/p>\n<ul>\n<li>Death or permanent disability (with different levels of capital).<\/li>\n<li>Medical expenses arising from accidents during navigation, embarkation, disembarkation or water sports.<\/li>\n<\/ul>\n<p>Normally you can choose different levels: the higher the level, the better the compensation in the event of a claim.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Danos_propios\"><\/span>6. Own damage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In contrast to civil liability, this guarantee covers <em>your boat<\/em> in situations such as:<\/p>\n<ul>\n<li>Total loss due to accident or theft.<\/li>\n<li>Partial damage, such as fire, collision, vandalism, breakdown, theft or attempted theft.<\/li>\n<li>Damage to engines, accessories, road transport, launching or dry-docking.<\/li>\n<\/ul>\n<p>It is essential to check the exclusions carefully: each insurer sets specific conditions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Efectos_personales\"><\/span>7. Personal effects<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Palabras_clave_secundarias_para_tu_referencia\"><\/span>Secondary keywords for your reference<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Jet Ski Insurance<\/li>\n<li>Jet ski insurance<\/li>\n<li>Marine Motorcycle Insurance<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%F0%9F%92%A1_Consejos_para_elegir_bien_tu_seguro_nautico\"><\/span>\ud83d\udca1 Tips on how to choose your boat insurance wisely<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Define the use:<\/strong> recreational, competitive, professional. This influences the necessary safeguards.<\/li>\n<li><strong>Compare limits:<\/strong> extended liability and own damage vary greatly from policy to policy.<\/li>\n<li><strong>Check attendance limits:<\/strong> summarises how much towing or medical care is covered.<\/li>\n<li><strong>Legal protection:<\/strong> ideal if you think you might need legal defence or advice.<\/li>\n<li><strong>See exclusions:<\/strong> some companies do not cover certain claims (such as out-of-hours sailing).<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFY_como_afecta_esto_a_tu_presupuesto\"><\/span>And how does this affect your budget?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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:<\/p>\n<ul>\n<li>Vessel characteristics (length, type of engine).<\/li>\n<li>Actual use you make of it.<\/li>\n<li>Claims history.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Resumen_de_garantias_y_niveles_de_proteccion\"><\/span>Summary of guarantees and levels of protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<tbody>\n<tr>\n<th>Guarantee<\/th>\n<th>Basic coverage<\/th>\n<th>Optional\/expandable<\/th>\n<\/tr>\n<tr>\n<td>Civil Liability<\/td>\n<td>Compulsory (\u2713)<\/td>\n<td>Enlarged \u2713<\/td>\n<\/tr>\n<tr>\n<td>Legal Protection<\/td>\n<td>Basic advice<\/td>\n<td>Full defence \u2713<\/td>\n<\/tr>\n<tr>\n<td>Assistance<\/td>\n<td>Basic<\/td>\n<td>Enlarged medical and technical \u2713<\/td>\n<\/tr>\n<tr>\n<td>Personal accidents<\/td>\n<td>Optional \u2713 Optional \u2713 Optional \u2713 Optional \u2713 Optional<\/td>\n<td>Major capitals \u2713<\/td>\n<\/tr>\n<tr>\n<td>Own damage<\/td>\n<td>Optional \u2713 Optional \u2713 Optional \u2713 Optional \u2713 Optional<\/td>\n<td>Partial damage and theft \u2713<\/td>\n<\/tr>\n<tr>\n<td>Personal effects<\/td>\n<td>Optional \u2713 Optional \u2713 Optional \u2713 Optional \u2713 Optional<\/td>\n<td>Up to high limits \u2713.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In short, the <strong>Typical boat insurance coverages<\/strong> 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>This section details the most common guarantees in boat insurance, such as civil liability, assistance, own damage or personal accidents. It is key to review the conditions and scope of navigation according to the vessel and intended use.<\/p>","protected":false},"author":2,"featured_media":0,"parent":2472,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[27],"class_list":["post-2595","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=2595"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2595\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2472"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}