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Sailing boat on the Mar Menor, Allianz boat insurance for expats in Spain

Boat insurance in Spain

Sailing the Mar Menor or the Costa Cálida? From sailing boats and yachts to motor boats and jet skis, get your boat ready to sail with complete peace of mind: the compulsory liability cover required in Spain, towing at sea, wreck removal and full hull protection, arranged in English by your local Allianz agent.

Sailing the Mar Menor or the Costa Cálida? Compulsory liability, towing at sea, wreck removal and full hull cover for sailing boats, motor boats and jet skis. Arranged in English.

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Towing costs at sea reimbursed icon

Towing costs at sea reimbursed

Wreck removal and salvage compensation icon

Wreck removal and salvage compensation

Meets Spanish maritime law (RD 607/1999) icon

Meets Spanish maritime law (RD 607/1999)

Plans

Three plans to choose from

Basic icon

Basic

The essential option to comply with the law: compulsory third-party liability (RD 607/1999), environmental liability and legal assistance with bail cover.

Premier (extended) icon

Premier (extended)

Sail with more peace of mind: adds voluntary liability, wreck removal, accident cover for people on board, claims for damages and reimbursement of towing costs at sea.

Plus (full cover) icon

Plus (full cover)

The most complete cover: protects your boat against total loss, theft, fire and own damage, under Spanish or English conditions.

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Cover
Basic
Premier
Plus
Compulsory third-party liability (RD 607/1999), including environmental liabilityBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | AllianzBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | AllianzBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | Allianz
Legal assistance and bailBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | AllianzBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | AllianzBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | Allianz
Voluntary third-party liability—OptionalBoat Insurance in Spain for Expats | Mar Menor & Costa Cálida | Allianz
Claims for damages and advance payment of compensation—OptionalAsk us
Wreck removal—OptionalOptional
Personal accident cover for people on board—OptionalAsk us
Reimbursement of towing costs at sea—OptionalAsk us
Assistance ashore—OptionalAsk us
Total loss——Optional
Theft——Optional
Partial damage——Optional
Personal effects——Optional
Extended cover for socio-political acts——Optional
English conditions (Institute Yacht Clauses and War & Strikes), for boats worth over €18,000——Optional
Excess on damage cover——No excess or 0.25% to 1%
Boat Insurance in Spain for Expats | Mar Menor & Costa Cálida | Allianz Included Not includedOptional Can be added

In the Plus plan you must take out total loss cover or the Institute Yacht Clauses.

“Ask us”: the brochure doesn't say whether these Premier covers can also be added to Plus.

Guide table based on the official Allianz recreational boat brochure (ref. 361 0926, September 2026). Cover, sums insured, excesses and exclusions depend on the terms of your policy.

What’s covered

What’s covered

Sail the Costa Cálida or the open sea with complete peace of mind

Sail the Costa Cálida or the open sea with complete peace of mind

The sea gives no warning. Whether you skipper a small yacht, a racing sailboat, a jet ski on the Mar Menor or a motor boat, incidents close to shore or out at sea can be very costly. We protect your boat with specialist Allianz marine policies that respond to engine failures at sea, rescues, storms and the legal requirements of ports and the Harbour Master.

The sea gives no warning. Whether you skipper a small yacht, a racing sailboat, a jet ski on the Mar Menor or a motor boat, incidents close to shore or out at sea can be very costly. We protect your boat with specialist Allianz marine policies that respond to engine failures at sea, rescues, storms and the legal requirements of ports and the Harbour Master.

Liability and legal defence icon

Liability and legal defence

The essential cover to go to sea. We pay compensation for collisions with other boats, damage to port facilities and moorings, and injuries to third parties such as swimmers or divers.

Marine assistance and rescue icon

Marine assistance and rescue

Every skipper's nightmare: drifting after an engine or rudder failure. The insurer pays the cost of Salvamento Marítimo or a private towing company bringing you back to the nearest port.

Total loss, grounding and sinking icon

Total loss, grounding and sinking

If your boat runs aground, capsizes, sinks without the possibility of refloating or catches fire at sea, you receive compensation for total loss.

Wreck removal icon

Wreck removal

Required by law in many cases. If your boat sinks and obstructs navigation or pollutes the seabed, the policy pays for a specialist company to raise and remove the wreck.

Impact, storm and particular average icon

Impact, storm and particular average

With full cover we pay the boatyard bills to repair fibreglass damage from floating objects, broken propellers, sails torn by strong winds and electronic failures.

Theft and vandalism in port icon

Theft and vandalism in port

Your boat spends most of its life moored in port or ashore. We compensate you for theft of the whole boat, theft of the outboard engine, GPS and electronics, and vandalism.

Good to know

Boating in Spain: four things expats should know

Liability insurance is compulsory icon

Liability insurance is compulsory

Under Royal Decree 607/1999, motor-powered pleasure boats and jet skis, and sailing boats longer than 6 metres, must have third-party liability insurance. Without it you face fines and marinas won't let you moor.

Liability insurance is compulsory icon

Liability insurance is compulsory

Under Royal Decree 607/1999, motor-powered pleasure boats and jet skis, and sailing boats longer than 6 metres, must have third-party liability insurance. Without it you face fines and marinas won't let you moor.

Marinas ask for proof of insurance icon

Marinas ask for proof of insurance

Mooring contracts on the Mar Menor and the Costa Cálida normally require a valid insurance certificate. We issue it as soon as your policy starts so you can send it to the marina.

Marinas ask for proof of insurance icon

Marinas ask for proof of insurance

Mooring contracts on the Mar Menor and the Costa Cálida normally require a valid insurance certificate. We issue it as soon as your policy starts so you can send it to the marina.

Your licence to skipper icon

Your licence to skipper

Spain has its own recreational boating licences (such as PNB and PER). Check whether your foreign licence is valid for the boat you'll skipper, especially if it's Spanish-flagged.

Your licence to skipper icon

Your licence to skipper

Spain has its own recreational boating licences (such as PNB and PER). Check whether your foreign licence is valid for the boat you'll skipper, especially if it's Spanish-flagged.

Sailing to the Balearics and beyond icon

Sailing to the Balearics and beyond

The basic liability cover applies in EU waters and the Mediterranean, including crossings to the Balearic Islands. If you plan longer passages, we can extend your navigation area.

Sailing to the Balearics and beyond icon

Sailing to the Balearics and beyond

The basic liability cover applies in EU waters and the Mediterranean, including crossings to the Balearic Islands. If you plan longer passages, we can extend your navigation area.

Get your boat insurance quote

Leave your phone number, the type of boat (sailing, motor or inflatable), its length and where it’s moored, and our agents in Murcia will prepare your policy, in English.

FAQs

Boat insurance in Spain: frequently asked questions

AMB Seguros is an exclusive Allianz agency in the Region of Murcia specialising in insurance for pleasure boats, yachts and jet skis on the Mar Menor and the Costa Cálida. We know Spanish maritime law (RD 607/1999) and advise boat owners in English.