Owning a yacht, motorboat or sailing vessel in Spain comes with unique responsibilities—especially if you live abroad or split your time between countries. Whether your boat is docked in Marbella, cruises through the Balearics, or sails internationally, having the right insurance is essential.
At Op de Beeck & Worth, we specialise in high-value yacht and boat insurance in Spain for expatriates, international residents, and owners of vessels registered in Spain or abroad. We offer comprehensive coverage for your yacht, multilingual support, and personalised advice from a team that understands the lifestyle and requirements of international boat owners.
From luxury yachts and superyachts to classic sailboats, motorboats and catamarans, we help you protect your vessel, equipment, passengers and liability—wherever you sail, and however you use your boat.
Who Needs Yacht & Boat Insurance in Spain?
Our marine insurance is designed for:
- Expatriates living in Spain with a yacht, motorboat or sailing vessel
Protect your boat and liability even if you split your time between countries or are new to Spanish regulations.
- Owners of high-value boats moored in Spain but registered abroad
Whether your vessel has a foreign flag or sails seasonally, we provide coverage adapted to your legal and logistical situation.
- International clients with superyachts or luxury boats needing bespoke cover
From full-crew protection to navigation outside Europe, we tailor policies to match the complexity and value of your vessel.
- Seasonal residents with boats used part of the year or rented out
Get coverage that adapts to your schedule—whether you visit only in summer or rent your boat for part of the season.
- Remote boat owners seeking trusted local advisors and multilingual support
Even if you’re not in Spain year-round, we’ll manage your policy, handle documents in your language, and assist remotely when needed.
Whether your vessel is docked in Marbella, sails the Balearics, or crosses the Mediterranean, we’ll make sure it’s covered.
What Types of Boats Do We Insure?
What Does Yacht Insurance Cover?
Full protection
We work with leading specialist marine insurers to offer full protection for your vessel, its passengers, any crew, as well as your responsibilities as owner.
Yacht insurance typically protects your vessel against accidental damage, fire, theft, third-party liability, and injuries to passengers or crew. It can also include extras like worldwide navigation, charter use, crew liability and crew personal accident —depending on how you use your boat.
Core Cover
- Hull and machinery: Protection against damage from collisions, fire, sinking, storms, and grounding.
- Third-party liability: Covers injury to others or damage to third-party property.
- Theft, fire & vandalism: Covers loss or damage while docked or in transit.
- Personal accident: For the owner, guests, or crew onboard.
Legal defence: Help with disputes, navigation claims, or liability proceedings.
Additional Options
- Crew cover & crew liability: For vessels with paid staff.
- Charter/rental use cover: For those renting out the yacht occasionally.
- Tenders & accessories: Jet skis, RIBs, electronics, sails, etc.
- Worldwide navigation: Cover beyond Spanish waters and the Mediterranean.
- Salvage & recovery: For towing, wreck removal or emergency response.
Our team will help build a policy that reflects your sailing habits, boat type, and legal requirements.
Why Choose Op de Beeck & Worth?
- Over 40 years advising international clients in Spain
- Marine insurance tailored for yachts, superyachts and high-value boats
- Multilingual service in EN, ES, DE, NL, FR, IT
- Access to top marine insurers including Beazley, Tide and numerous MGA’s
- Support for Spanish and foreign-registered boats
- Experience with seasonal use, chartered vessels and professional crews
- Expert guidance from quote to claim
Your boat is unique. Your insurance should be too.
Feature | Standard Policy | HNW Policy |
|---|---|---|
Support for expats | Limited or only in Spanish | Native support in EN, ES, DE, FR, NL, IT |
High-value vessel experience | Generic policies | Experts in luxury & performance boats |
Rental/charter use | Often excluded | Optional & tailored |
Crew liability | Rarely included | Custom cover available |
Remote service | Call centres or delays | Personal advisor support |
Real-Life Examples
Frequently Asked Questions
Yes, it can be covered, but you must inform us. We’ll tailor the policy to your usage.
Yes. Damage, theft or storms can happen at any time, and more importantly your yacht may damage third parties. We’ll cover your vessel even when not in use.
Yacht insurance protects your vessel, equipment, crew and liability in case of damage, theft or legal claims. If your boat is docked or sailing in Spain, or further afield, having valid insurance is strongly recommended—especially for foreign-registered vessels or high-value boats.
Yes, third party liability cover is obligatory for all motorised yachts and boats in Spanish waters regardless of size or flag. Whilst the obligatory limits are low, we strongly recommend buying higher limits of cover as well as material damage cover to the yacht itself.
At Op de Beeck & Worth, we help you meet both legal and contractual requirements by offering policies that go beyond minimum cover—protecting your vessel, equipment, passengers, and financial peace of mind.
Let’s Talk About Your Vessel
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