Boat Insurance

Sail with peace of mind: what the law requires, and what your boat deserves

To sail legally you need compulsory liability cover: that’s the essential base. Beyond that, your boat — motorboat, sailboat, inflatable or jet ski — is an investment that deserves real protection: hull, crew and assistance at sea, sized to its value and how you actually use it.

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Motorboats, sailboats, inflatables and jet skis · Same-day response · No extra cost for advice

What matters most

✓ Compulsory liability cover to sail, always in force
✓ Hull damage: theft, fire, breakdown
✓ Towing and rescue if you’re stranded at sea

What’s covered

A modular policy, tailored to your boat.

It’s taken out by cover level: only what you choose is included. Here’s what you can add.

Compulsory liability cover

What the law requires to sail: personal injury and property damage to third parties. The essential base.

Voluntary liability cover

Extends the limits of compulsory cover if your boat or activity requires it.

Hull damage

Total loss at market value, breakdowns, theft, fire and damage during transport, hoisting or launching.

Accidents to those on board

Death or disability and medical expenses for people aboard.

Assistance at sea

Towing, rescue and help, as contracted.

Cover is adjusted to the type of boat (inflatable, sail, motor), its length and sailing area. Full details on cover, limits and exclusions are in the General Conditions, which I explain before you take out the policy.

So there are no surprises

What’s not covered.

Here are the most relevant exclusions; I’ll explain the rest calmly.

Non-leisure useCommercial use, rental or racing, unless expressly agreed.

Sailing outside permitted limitsGeographic area or weather conditions banned by the policy.

Lack of maintenanceWear, corrosion or inherent defects of the boat.

Gross negligenceOvercrowding or a skipper without the required licence.

Full details on cover, limits and exclusions are in the General and Specific Conditions of the policy.

How we work

Your Boat Insurance, in three steps.

No jargon, no upfront commitment.

Tell me about your boat

Type, length, value and where you usually sail.

I guide you through the cover

From compulsory liability to the full package, whatever your boat deserves.

I prepare your quote

Clear pricing and cover explained, no small print.

Micol Astorri

Insurance advisor

Why work with me

Why take out your boat’s insurance with me.

I help you avoid stopping at compulsory liability cover if your boat deserves hull cover too, and I explain the small print that causes the most surprises: sailing limits, required licences, number of people on board.

✓ I tailor the policy to your boat and how you really use it
✓ I explain what you truly need, without overselling
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain

"From the very first contact she was kind, attentive and professional. She advised me patiently, answered all my questions and helped me find the best option for my needs, with no complications."

★★★★★

Victor O. · Client

Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H

About me

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.

Is insurance compulsory for my boat?

Liability cover is compulsory to sail. All other cover is voluntary, but highly recommended depending on the value of the boat.

Does it cover damage to my own boat, not just to others?

Yes, with hull damage cover: total loss, breakdowns, theft and fire.

Are people on board covered?

Yes, with accident cover for those on board: death or disability and medical assistance.

Will I be towed if I get stranded at sea?

Yes, with assistance cover (towing and rescue), as contracted.

Does it cover road transport or hoisting?

Yes, damage during transport, hoisting and launching falls under hull damage cover.

What if I use the boat for rental?

Commercial or rental use isn’t included in leisure cover unless expressly agreed; let me know if that’s your case.

What documentation do I need to insure my boat?

Usually the boat’s registration documents and, depending on the type and size, the relevant nautical licence; I’ll confirm the exact detail for your case.

Does the insurance cover it if my boat is moored in the harbour, not sailing?

Yes, hull damage cover also protects it in harbour or at its mooring, not just while sailing, as contracted.

What happens if my boat is very old?

It can still be insured, although it may affect the market value for total loss purposes and some conditions; I’ll explain this with your specific case.

Do I need a nautical licence to take out the insurance?

The insurance doesn’t replace the legal requirement to hold the licence needed for your type of boat; sailing without it, besides being an offence, can be excluded from cover in the event of a claim.

Does it cover jet skis the same as a motorboat?

Yes, different types of boat can be insured (motorboat, sailboat, inflatable, jet ski), adjusting the cover to each one’s characteristics.

What happens if I sail outside the geographical area taken out?

A claim outside the geographical limits set out in the policy may be excluded; if you’re going to sail further than usual, let me know beforehand so we can extend the area if needed.

Does it cover theft of the outboard motor?

Yes, under the hull damage cover, which includes theft of the boat or its parts, as contracted.

What happens if my boat is damaged during a storm?

Damage from weather events can be covered under hull damage, as long as you weren’t sailing in conditions expressly prohibited by the policy.

Can I insure just the sailing season?

It depends on the option available; some policies allow cover to be adjusted by season. I’ll confirm the current options based on how you use your boat.

What happens if I have an accident with another boat?

Compulsory liability cover deals with personal injury and material damage you cause to third parties, including another boat involved in the accident.

Does it cover the boat’s accessories and equipment?

It can be included under hull damage depending on how the equipment was declared when taking out the policy; it’s worth listing it in detail so it’s properly valued.

What happens if I lend my boat to a friend and they have an accident?

Cover usually depends on who is named as authorised skipper and the particular conditions; I’ll confirm whether you need to declare other possible skippers.

Is there a length limit to take out the insurance?

It can be insured based on the type and length of the boat, adjusting cover and conditions to its characteristics; I’ll confirm the detail for your boat.

What happens if my boat sinks in the harbour?

It’s a total loss scenario covered under hull damage, valued at market value under the conditions taken out.

Let’s start

Tell me about your boat and let’s prepare your policy.

A 5-minute call is enough to know what cover works for you. No obligation, and advice never costs you more.

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