Third-Party Boat Insurance in Spain: Mandatory Liability Cover for Expats (2026)

Yes. Spain has compulsory civil liability insurance rules for recreational vessels under Royal Decree 607/1999. In practice, this means you should expect to hold at least liability cover before using the boat, and marinas may ask for proof. Beyond 'mandatory,' it's also the only part of boating insurance that directly protects you from the most expensive kind of accident: harming someone else or damaging their property.

No. Third-party insurance is meant to cover damage or injury you cause to others, not losses to your own boat. If you want protection for storm or weather damage, theft of the boat or outboard, or damage to your hull, you usually need a higher tier. A good way to decide is to look at what you'd realistically pay out of pocket if the boat is damaged while moored.

Yes. Expats commonly insure boats kept in Spain, but insurers will still want clear details on registration, ownership, where it's kept, and how it's used. Being an expat mainly changes the admin side: language, paperwork, and making sure the policy documents match what a marina or port authority expects.

Assuming 'compliant' equals 'safe.' Third-party can meet the liability requirement, but it doesn't protect your boat against the losses owners actually face: storm exposure, theft risk, and accidental damage to the hull. The fix is simple: confirm your navigation area, confirm what your marina expects, and decide whether you'd be financially fine replacing stolen equipment or paying for major repairs yourself.

Standard minimum limits start around €150,000-€300,000, but many owners choose €600,000 to €1,000,000+ for peace of mind. Larger boats, busier navigation areas, and marina requirements may push you toward higher limits. The cost difference between minimum and higher limits is often modest.

Third-party liability typically covers injuries to third parties including passengers on your boat. However, check the policy for any exclusions related to paid crew, commercial use, or specific passenger limits. Personal accident cover for you (the skipper) is usually separate.

Standard policies cover Spanish coastal waters and often extend to the Mediterranean. If you plan to cruise to the Balearics, Gibraltar, Morocco, or beyond, check your navigation limits. Extended navigation area cover is available but may increase premiums.

For third-party-only policies, the outboard is part of the boat for liability purposes. For comprehensive cover, outboards may have sub-limits for theft. Always declare the outboard value and check whether it's covered when removed from the boat.

Yes. Jet skis (motos acuaticas) require the same compulsory liability insurance as boats in Spain. They also need registration and you must hold an appropriate licence. Premiums are typically €100-€300/year for liability cover.

Exchange details with the other party (name, insurance, registration). Take photos. Report the incident to port authorities if required. Contact your insurer immediately. They handle the claim directly with the third party—you should not admit liability or agree to pay anything without insurer approval.

Yes, but the process is more complex. Spanish insurers may insure foreign-flagged boats, or you may need insurance from the country of registration that covers Spanish waters. Marinas will want proof either way. Work with a broker who understands cross-border boat insurance.

Most policies cover 'any competent person' authorised by you to use the boat, subject to having appropriate licences. However, if you regularly lend the boat or let it for charter, you may need to declare this—commercial or charter use often requires different cover.