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Some tips before hiring an insurance policy for my boat

When it comes to choosing the best insurance for your recreational boat, it is important to choose a company that you know will be there for you whenever you need it and that has no small print to avoid any unpleasant surprises. Hermanos Guasch collaborates with MAPFRE insurance company because of all the benefits it offers to our customers:

聽聽聽聽聽聽聽聽 We know that when you decide, you want it now. That's why we have an online insurance certificate, so you can go sailing right away!

聽聽聽聽聽聽聽聽 You have towing of the boat with Salvamento Mar铆timo to the nearest port in case of breakdown at sea.

聽聽聽聽聽聽聽聽 Covers rescue expenses of the boat and occupants.

聽聽聽聽聽聽聽聽 You are covered when you participate in club regattas.

聽聽聽聽聽聽聽聽 It adapts to your needs, whether you want to enjoy sailing with your boat, as if you destine it to rent or for organized excursions.

聽聽聽聽聽聽聽聽 You can even insure your light sailing boat, even if it does not have an engine and its length is less than 6 meters. It is not mandatory, but we recommend it.

聽聽聽聽聽聽聽聽 It covers damage caused by the skipper or the towing cable.

聽聽聽聽聽聽聽聽 When clients use our services, they discover the MAPFRE quality that distinguishes us as leading specialists.

There are different coverages that you should be aware of before taking out insurance for your boat. In addition, there are several possible combinations that allow you to have from a very basic coverage of only the civil liability (known as minimum mandatory insurance) to a total coverage, better known as 鈥渇ull coverage".

These are the main aspects of the insurance that you should know and check:

聽聽聽聽聽聽聽聽 Geographical Coverage: Do not forget to notify your insurance the waters in which you plan to navigate with your boat:

o聽聽 In inland waters of Spain.

o聽聽 In all the Spanish and Portuguese coastline and the rest of the European Union.

o聽聽 On crossings to the Canary Islands and/or Balearic Islands.

o聽聽 All over the world.

聽聽聽聽聽聽聽聽 Property Damage Coverage. We recommend that you opt for comprehensive coverage, with or without excess. It offers ample coverage for loss or material damage to the boat (hull, engine, accessories and sails):

o聽聽 Sea, river, lake and navigable water hazards.

o聽聽 Fire and explosion.

o聽聽 Piracy, crash or collision.

o聽聽 Earthquake, volcanic eruption and lightning strike.

o聽聽 Theft of the boat and its equipment.

o聽聽 Malicious acts.

o聽聽 Transportation by road.

o聽聽 Rescue expenses.

o聽聽 Removal of wreckage.

聽聽聽聽聽聽聽聽 Extended Personal Liability Coverage. As a complement to the property damage coverage, you can extend the personal liability limits, adapting them to your needs:

o聽聽 Extended option 1:

Compensation limit: 1.000.000鈧.

o聽聽 Extended option 2:

Compensation limit: 1.500.000鈧.

o聽聽 Extended option 3:

Maximum limit per loss: the insured value of the boat in property damage.

聽聽聽聽聽聽聽聽 Accident Coverage: Are you worried about the occupants of your boat?

o聽聽 Per occupant mode: death, permanent disability, medical assistance.

o聽聽 Per loss: The premium is considered as a single premium regardless of the number of occupants. Maximum 12 occupants.

聽聽聽聽聽聽聽聽 Legal Defense Coverage.

聽聽聽聽聽聽聽聽 Coverage for Towing at sea:

o聽聽 The towing of the insured boat to the nearest port due to inability to navigate by its own means is covered.

聽聽聽聽聽聽聽聽 Wreck Removal Coverage:

o聽聽 Covers the expenses of removal of wreckage of the insured vessel as long as the competent authorities legally oblige the removal of such wreckage.

聽聽聽聽聽聽聽聽 Personal belongings coverage:

Personal belongings owned by the insured and/or his/her family, which are on board the insured boat, due to theft or loss of the boat, are covered.