Boat insurance in Spain for expats
Licensed Broker
DGSFP Registered
Whether you keep a small motorboat in a Spanish marina or sail a larger yacht along the coast, the right boat insurance is essential. We help expats in Spain insure their boats with clear cover for liability, damage, theft and storms – explained in English. You get support with local rules, marinas and paperwork, so you can focus on enjoying the water.
Example for basic third-party cover on a small leisure boat. Final price depends on boat type, value, mooring and navigation area.
Who is it for?
Expats, residents and second-home owners in Spain who keep a sailing boat, motorboat or yacht in a marina, dry dock or private mooring and need clear, compliant insurance.
Activation time
Once the quote is accepted and documents are approved, cover can usually start within 24–72 hours, depending on the insurer and any inspection requirements.
Documents needed
ID or passport, NIE or residency details, boat registration documents, proof of ownership, mooring or marina details, navigation certificate (if required), and previous insurance details if available.
Languages available
We handle everything in English and Spanish. Some insurers also provide policy documentation in other languages.
Boat insurance plans in Spain
Choose the level of marine cover that matches your vessel and how you use it
Third-party Liability – Essential
BEST FOR:
- • Smaller leisure boats with modest value
- • Owners mainly concerned with legal and marina liability requirements
NOT RECOMMENDED FOR:
- • High-value yachts or performance boats
- • Owners worried about damage to their own boat
Liability + Partial Damage – Plus
BEST FOR:
- • Motorboats and sailing boats kept in exposed marinas
- • Owners who want more than minimum liability but still watch budget
NOT RECOMMENDED FOR:
- • Very high-value or new boats needing full comprehensive cover
Comprehensive Yacht & Boat – Premium
BEST FOR:
- • New or high-value boats and yachts
- • Owners who cruise regularly along the Spanish coast or further
- • Boats under finance, or with high marina requirements
NOT RECOMMENDED FOR:
- • Very small or low-value boats used rarely
How it works
Getting boat insurance in Spain is straightforward with our expert guidance
Tell us about your boat and mooring
Share basic details about your boat (type, length, value, age), where it's kept (marina, dry dock, private mooring) and how you use it. We keep the questions clear and in plain English.
We compare insurers in Spain
We approach suitable insurers for your type of boat and navigation area, then present the options side-by-side so you can see differences in cover, limits and price.
Choose your level of cover
Decide between essential liability, partial damage cover or fully comprehensive protection. We walk through what's included and excluded so there are no surprises later.
Finalise your policy and sail with confidence
When you're happy with the offer, we complete the paperwork, confirm the start date and send your policy documents. If you ever need to claim, we're here to support you.
What's covered by boat insurance?
Understand what's included, what's optional, and what's not covered
Included
- Third-party liability for damage or injury caused to others
- Liability required by marinas and port authorities
- Legal defence and claim handling
- Wreck removal liabilities (within policy limits)
- Fire damage (on relevant tiers)
- Storm and weather damage (on partial damage/comprehensive tiers)
- Theft of the boat or outboard (subject to security conditions and tier)
- Navigation in agreed areas (e.g. Spanish coastal waters, specified zones)
Optional add-ons
- Extended navigation area (wider Mediterranean, cross-border sailing)
- Higher liability limits (for larger boats or specific marina demands)
- Personal accident cover for owner and guests
- Cover for onboard equipment (electronics, sails, instruments, dinghies)
- Trailer and transport cover (if boat is moved by road)
- Racing or regatta cover (where accepted by insurer)
- Winter or lay-up cover with specific conditions
- Protection and indemnity (P&I) style enhancements for larger vessels
Not covered
- Use for commercial charter or hire (unless specifically insured as commercial)
- Professional racing or high-risk events not approved by the insurer
- Normal wear and tear, corrosion or gradual deterioration
- Poor maintenance or known defects not repaired
- Navigation outside the agreed area or season without insurer approval
- Use while under the influence of alcohol or drugs
- Misrepresentation of boat value or incorrect usage declared
Why choose us?
Here's why thousands trust us with their insurance
We understand expat boat owners on the Spanish coast
From small weekend boats to larger yachts, we work with expats who keep their boats in Spanish marinas and moorings – and we help them navigate the local rules and insurance expectations.
Access to specialist marine insurers
We work with insurers experienced in boat and yacht risks in Spain, not just generic policies. That means better-fit cover for marinas, navigation areas and storm exposure.
Clear explanations before you commit
Boat insurance language can be technical. We explain what is and isn't covered – liability, hull damage, theft, storm risks – in clear English so you can make confident decisions.
Support with valuations and equipment lists
We help you prepare realistic boat and equipment values so you're not over- or under-insured, and so claims are smoother if something happens.
Help when something goes wrong
If there's an incident in the marina or at sea, you're not on your own. We guide you through the claim process and communication with the insurer.
Flexible options as your situation changes
Whether you upgrade your boat, change marina, extend navigation areas or plan longer trips, we help adjust your policy so it keeps pace with how you actually use your boat.
Frequently asked questions
Related guides
Learn more about insurance in Spain
Boat Insurance in Spain – 2026 Guide for Expats & Yacht Owners
Complete guide to boat insurance: liability, hull cover, theft, towing and marina requirements
Holiday Insurance Spain 2026 – What Expats Need to Know
Complete guide to holiday insurance options for expats living in Spain
Insurance Broker in Spain – How We Help Expats
Why working with a licensed broker makes insurance easier for expats in Spain
Based on 287+ reviews from expats across Spain
We bought a small motorboat for weekends and had no idea about Spanish marina requirements. They helped us choose the right cover and explained everything in English.
Sarah & Mark
Costa del Sol
Needed insurance for my sailing boat with a wider navigation area. They compared several insurers and found a comprehensive policy that matched my cruising plans.
Peter H.
Alicante
Very professional service. They understood the marina's demands and helped get everything in place before the season started.
Johan L.
Mallorca