Marine Hull Insurance in Spain
Cover for the vessel itself — hull, machinery and gear — against the perils of the sea, for commercial and larger craft in Spain.
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Answered by Turner Insurance Specialists — exclusive Generali agents in Spain since 2007, based in Javea (Alicante). Talk to a real adviser in English: 966 461 625.
What is marine hull insurance?
Marine hull insurance (Generali Cascos) covers the vessel itself — its hull, machinery, rigging, gear and equipment — against the perils of the sea (fortuna de mar). It is the cover used for commercial and larger vessels — fishing boats, charter and trading craft — rather than small pleasure boats, and it is governed by the Maritime Navigation Act and the Commercial Code.
For a recreational boat, the right product is instead our marine (pleasure-craft) insurance; marine hull is for working and higher-value vessels insured at an agreed value. Personal watercraft have their own product — see jet ski insurance in Spain.
What it covers
- Total loss, general average and salvage from shipwreck, collision, grounding or stranding, fire, storm, jettison, forced port calls, boiler or engine explosion, and breakdown of the machinery or steering.
- Particular average — partial loss or damage to the hull, machinery, rigging and gear.
- Collision liability to other vessels (running-down) — the insurer pays 75% of the indemnity where the insured vessel is at fault.
Repairs are settled with new-for-old deductions by the vessel's age, and a claim over 75% of the insured value may be treated as a constructive total loss. Defined navigation (trading) limits apply. If the worst happens, our marine insurance claim guide sets out the Spanish process step by step.
Who needs it
Owners and operators of commercial or higher-value vessels — fishing fleets, charter operators, work boats and traders — who need to protect the vessel itself, not just their liability to others. It pairs with the compulsory and voluntary third-party cover in our marine insurance, and, for repair businesses, with ship repairers' insurance.
Marine Hull Insurance Spain — FAQs
New to boating in Spain? Our guide to insurance in Spain for expats covers the wider picture for foreign residents and second-home owners, and the Spanish insurance glossary translates the Spanish wording on your póliza.
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AUTHORISED GENERALI AGENTS · ENGLISH-SPEAKING TEAM · COMMERCIAL MARINE COVER
See also our marine insurance page, the full marine hull policy conditions in English, and our guide to Spanish boat licences vs the UK system — costs and English options. New to Spanish marine cover altogether? Start with the plain-English boat insurance in Spain guide.