{"id":2640,"date":"2025-06-28T14:25:30","date_gmt":"2025-06-28T14:25:30","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2640"},"modified":"2025-07-14T14:36:50","modified_gmt":"2025-07-14T12:36:50","slug":"boat-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/","title":{"rendered":"Warranties for Boat Insurance"},"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<h1>Guarantees for Boat Insurance<\/h1>\n<p>When it comes to insuring your boat or jet ski, one of the most frequent questions is: What guarantees does boat insurance really include? Although there are many options and insurers on the market, knowing the basic and optional coverages will help you make an informed decision.<\/p>\n<p>In this article, we will break down the <strong>guarantees for boat insurance<\/strong> as if you were hearing it from your trusted advisor. By the end you will know what to check in your policy and why each cover may be important for you and your boat.<\/p>\n<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-insurance\/#Tipos_de_embarcaciones_que_suelen_estar_aseguradas\" >Types of vessels usually insured<\/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-insurance\/#Principales_garantias_de_los_seguros_para_barcos\" >Main guarantees of boat insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/#1_Responsabilidad_Civil_Obligatoria\" >1. Compulsory Civil Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/#2_Responsabilidad_Civil_Voluntaria_o_Ampliada\" >Voluntary or Extended Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/#3_Defensa_juridica_y_reclamacion_de_danos\" >3. Legal defence and claims for damages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/#4_Asistencia_a_personas_y_embarcacion\" >4. Assistance to persons and vessels<\/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-insurance\/#5_Accidentes_personales\" >5. Personal accidents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/#6_Danos_propios_en_la_embarcacion\" >6. Own damage to the vessel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/boat-insurance\/#7_Efectos_personales\" >7. Personal effects<\/a><\/li><\/ul><\/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-insurance\/#Recomendaciones_finales\" >Final recommendations<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_de_embarcaciones_que_suelen_estar_aseguradas\"><\/span>Types of vessels usually insured<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As a general rule, this type of insurance is intended for vessels registered in the 6th and 7th lists.<\/p>\n<p>The first thing you should check before taking out your insurance is the <strong>scope of navigation<\/strong>. This detail directly affects the insurance guarantees. Often, by default, policies are limited to Spanish maritime waters. If you are going to sail abroad, make sure that the cover contemplates it.<\/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\">Sail with peace of mind, insure your vessel<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Discover the key coverages to protect your boat, your investment and those who accompany you on board.<\/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=Navega+con+tranquilidad%2C+asegura+tu+embarcaci%C3%B3n\" 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=\"Principales_garantias_de_los_seguros_para_barcos\"><\/span>Main guarantees of boat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Responsabilidad_Civil_Obligatoria\"><\/span>1. Compulsory Civil Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This guarantee is legally required by Royal Decree 607\/1999. It covers personal and material damage that you may cause to third parties during navigation.<\/p>\n<ul>\n<li><strong>Personal injury<\/strong>up to \u20ac120,202.42 per victim.<\/li>\n<li><strong>Material damage and economic losses<\/strong>up to \u20ac96,161.94 per claim.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Responsabilidad_Civil_Voluntaria_o_Ampliada\"><\/span>Voluntary or Extended Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Allows you to increase the above limits with higher capitals. It is highly recommended to include it, especially if your vessel is powerful or frequently used. The greater the use, the greater the risk of causing damage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Defensa_juridica_y_reclamacion_de_danos\"><\/span>3. Legal defence and claims for damages<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This coverage includes:<\/p>\n<ul>\n<li>Legal defence.<\/li>\n<li>Claims for damages to third parties.<\/li>\n<li>Payment of bonds.<\/li>\n<\/ul>\n<p>It can apply both at home and abroad, depending on what is stated in the policy. Some insurers also offer legal advice by telephone.<\/p>\n<p>If you choose to appoint a lawyer on your own, check the financial limits set out in the particular conditions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Asistencia_a_personas_y_embarcacion\"><\/span>4. Assistance to persons and vessels<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It offers help in case of accidents or unforeseen events, such as:<\/p>\n<ul>\n<li>Transport to medical centres.<\/li>\n<li>Repatriation.<\/li>\n<li>Medical and hospitalisation expenses.<\/li>\n<li>Towing of the vessel to the nearest port due to breakdown.<\/li>\n<\/ul>\n<p>This guarantee may have spending limits, so it is advisable to check the conditions carefully.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Accidentes_personales\"><\/span>5. Personal accidents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Covers the occupants of the boat in the event of an accident, including during embarkation, disembarkation or when water skiing.<\/p>\n<p>You will be able to choose capital sums insured for:<\/p>\n<ul>\n<li>Death.<\/li>\n<li>Permanent disability.<\/li>\n<li>Medical expenses.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"6_Danos_propios_en_la_embarcacion\"><\/span>6. Own damage to the vessel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This cover protects your boat against:<\/p>\n<ul>\n<li>Total loss due to accident or theft.<\/li>\n<li>Damage due to fire, shipwreck, collision or vandalism.<\/li>\n<li>Damage during loading, unloading or road transport.<\/li>\n<\/ul>\n<p>Each insurer defines its own exclusions and conditions. It is important to review them.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Efectos_personales\"><\/span>7. Personal effects<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Includes reimbursement for loss or damage to objects declared in the policy, in the event of loss or theft of the vessel.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Recomendaciones_finales\"><\/span>Final recommendations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Before contracting, carefully review the <strong>General and Special Conditions<\/strong>.<\/li>\n<li>Consult your intermediary or advisor if you have any doubts about the application of the guarantees.<\/li>\n<li>Don't just look at the price: choose the insurance that best suits your type of boat and your usual use.<\/li>\n<\/ul>\n<p>For more information on boat insurance, you can consult our site <a href=\"https:\/\/lawebdeseguros.com\/en\/\">lawebdeseguros.com<\/a> or contact a specialist consultant directly.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the essential guarantees in boat insurance, from civil liability to own damage and assistance. Protect your boat, your occupants and your peace of mind by sailing with the right cover for your use and needs.<\/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-2640","page","type-page","status-publish","hentry","category-garantias","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2640","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=2640"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2640\/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=2640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}