At Nautic Luis, we are not only specialists in boat sales, but we also have a nautical advisory department that helps you find the perfect insurance for your boat. Sailing with the certainty that any unforeseen event is covered by an adequate policy is essential to enjoy the sea without worries. However, this aspect is often overlooked until an incident occurs. What does nautical insurance really cover and why is it crucial to have the best coverage?

More than an Obligation, a Necessity

While in Spain civil liability insurance is mandatory for certain vessels, the reality is that having a comprehensive policy can make a difference in adverse situations. From accidental damage to theft or legal problems, adequate insurance protects not only the investment in the vessel but also its occupants and third parties. At Nautic Luis, we advise our clients to choose the policy that best suits their navigation needs.

Key Coverages of Nautical Insurance

A well-designed nautical insurance should consider several fundamental aspects:

  • Civil liability: Covers damages to third parties, essential to avoid unexpected costs in case of an accident.
  • Total loss and own damages: Protection in case of sinking, collision, or any structural damage to the vessel.
  • Theft and vandalism: Safeguarding the value of the vessel against partial or total theft situations.
  • Sea assistance: Essential for emergency situations, such as a breakdown at sea.
  • Personal accident coverage: Protection for the owner and occupants against possible injuries.

In our nautical advisory department, we analyze each case and offer personalized solutions so you can sail with complete peace of mind.

Factors to Consider When Choosing Insurance

When contracting nautical insurance, it’s not enough to choose the cheapest option. It’s important to analyze:

  • The type of vessel: Insuring a luxury yacht is not the same as insuring a sports boat or a sailboat.
  • Navigation area: Some insurances have geographical restrictions that may affect coverage in international waters.
  • Deductible and exclusions: Reading the fine print is key to avoid surprises in case of a claim.
  • Replacement value: Insuring the vessel for its real market value can prevent significant losses in case of damage.

At Nautic Luis, we help you compare different policies and insurers to find the best option for you.

Real Cases: The Difference Between Having Insurance or Not

Every year, numerous sailors face complicated situations due to the lack of adequate insurance. A recent example on the Costa Brava involved a sailboat that suffered a fire in the port. Without a comprehensive policy, the owner had to bear the repair costs and responsibility for damages to nearby vessels.

On the other hand, a yacht insured against own damages in the Mediterranean could be towed to port after a failure in the propulsion system, thus avoiding a costly rescue operation at the owner’s expense.

Conclusion: Protect Your Boat with Nautic Luis

Sailing without adequate insurance is an unnecessary risk. The peace of mind of knowing that any unforeseen event is covered allows you to enjoy the sea with full security. Whether for recreational or commercial vessels, choosing comprehensive nautical insurance is a smart decision that protects both the investment and the sailing experience.

At Nautic Luis, our team of nautical advisory experts is ready to help you find the best coverage for your vessel. Before setting sail, review your policy with us, compare options, and ensure you have the appropriate protection. Because at sea, as in life, prevention is the best ally of safety.