Vessels

Vessel insurance

Q: Who is this insurance for?

Our Boat Insurance is designed for owners of yachts and pleasure boats that require insurance that covers the full cost of compensation to third parties for damages. It is also intended for owners who seek higher protection and guarantees and can complete the insurance with any of the additional coverages that we offer.

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Vessel insurance

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Vessels

What does vessel insurance offer you?

We put our recreational vessel insurance at your disposal. A very comprehensive and flexible insurance that allows you to sail peacefully thanks to the best cover, which includes third party liability, and some interesting guarantees such as nautical assistance or protection in the event of damage to the actual vessel.

Advantages of this insurance

Adapted to your vessel

We offer you a tailor-made proposal for your sports or pleasure vessel.

Sail in peace

When taking out vessel insurance, you can extend the limit of sailing in domestic waters to include other areas if required.

We defend your interests

We put a team of qualified professional at your disposal who will take over the defence of your interests, including possible indemnities and legal expenses arising therefrom.

Complete protection

You can extend the essential guarantees included with our vessel insurance policy, according to your needs. It includes cover for theft and damage caused to the insured vessel.

Main cover included with vessel insurance

Compulsory civil liability and legal defence

Our vessel insurance guarantees you the payment of all compensation legally established for civil liability arising from unexpected events that can happen to the vessel, its owner or those who are duly authorised to skipper the vessel.

It is compulsory liability insurance for any unforeseen event that may arise at sea to meet both material and personal damage to third parties.

We will, furthermore, deal with your criminal defence, including paying the legal and extrajudicial costs connected with the defence and the handling of the loss, as well as possible bail.

This protection further includes the auxiliary vessel, if you have one, or if you practice waterskiing.

Claim for damages

We will claim both amicably and through the courts for any damage which a third party may cause through events arising from the use of the vessel insured.

Voluntary civil liability

By taking out this optional cover, we extend the limits of indemnity provided for by law, removing sublimits for personal or material damage. We further offer you cover for damage caused by the vessel while it is being repaired or lying idle on land.

Damage to the vessel

With this extension to your recreational vessel insurance, you are covered against any damages that could be caused to the vessel while sailing, during launch operations or while dry-docked, on land and during road or railway transport; all this includes compulsory civil liability insurance for the auxiliary vessel, if there is one.

We offer the option of taking out this guarantee in accordance with Spanish Nautical Terms or English Terms (Institute Yacht Clauses).

Optional coverage

Burglary/robbery

Theft and robbery protection is essential to guarantee the integrity of your vessel and the goods on it, as it offers you coverage against damage or losses caused by burglary or attempted theft of the vessel while it is moored in yacht clubs, docking points or authorised marinas, stored in garages or closed hangars or if it occurs during transport by land, through violent or intimidating acts in the latter case.

Bodily harm

By including this optional guarantee with your Boat Insurance plan, you will have an insured capital for any possible compensation for death or permanent disability and corresponding healthcare expenses that, in the event of an accident, the occupants of the vessel may suffer.

Nautical assistance

Your Boat insurance must offer you the best assistance at sea. The tugboat is included if the vessel suffers a breakdown or accident that prevents it from reaching the nearest port, as well as land transport or the provision of technical and mechanical assistance if it cannot sail back to its usual port of mooring. Additionally, it includes searching and delivering replacement parts if these cannot be obtained in that area.

The passengers will also enjoy the best protection, which includes the travel expenses to their habitual home if the vessel takes more than four days to repair or hotel accommodation expenses. In addition, we provide you medical care in the event of illness or injury.

Personal Belongings

This covers you for damage which crew members' personal belongings such as audio, video or photographic equipment, clothes and personal items, fishing tackle and equipment, water skiing and scuba diving equipment, may sustain through an accident sustained by the vessel or through theft.

FAQs

Who is this insurance for?

Our Boat Insurance is designed for owners of yachts and pleasure boats that require insurance that covers the full cost of compensation to third parties for damages. It is also intended for owners who seek higher protection and guarantees and can complete the insurance with any of the additional coverages that we offer.

What damages to the vessel does the own damages guarantee cover?

When you take out our leisure vessel insurance with this optional guarantee, your vessel is protected from any damages that may occur both on the water and on land, as a result of:

Sailing or lying idle in the water: collision, hitting or colliding with fixed or floating objects, beaching or running aground, sinking or being wrecked, heavy sea or as a result of a storm, fire, piracy, earthquakes or seaquakes.
When grounded, damages caused by fire or explosion while in garages, hangars or similar are included, as are damages caused by overturning, collision or loading and unloading operations when transported by land.
In addition, damage during operations for launching or entry into dry dock are covered provided they are carried out by qualified personnel.