Marine Insurance Claim Spain

How to make a marine / boat insurance claim in Spain

Marine insurance (seguro de embarcaciones) covers your boat — damage to the hull, engine and equipment, theft, fire, and your civil liability to other vessels and people. The right first steps depend on whether the incident happened at sea or in port, but the documentation and process are broadly the same.

1. Safety first, then evidence

If anyone is in danger or there’s a serious incident at sea, contact the emergency services / maritime rescue (112, or SASEMAR on 900 202 202) before anything else. Once safe, photograph the damage and the scene, note the time, position and weather, and record the details of any other vessel or party involved.

2. Notify Generali quickly

Report the claim within about 7 days via the claims line or MI GENERALI portal above, or call us to open it in English. For theft, file a police denuncia. For incidents involving another vessel, a grounding or pollution, the Capitanía Marítima (harbour master) may need to be informed — we’ll advise.

3. The surveyor (perito)

For anything significant, a marine perito inspects the boat, agrees the cause and scope and sets the settlement. Don’t authorise permanent repairs or scrap damaged parts until they’ve been assessed — though you should take reasonable steps to prevent further damage (for example hauling out or securing the vessel).

Documentation you’ll usually need

• Policy number and the boat’s registration papers
• Photos/video of the damage and the scene
• A written account: date, time, position, weather, what happened
• Details of any third party or other vessel involved
• The police denuncia (theft) and any maritime-authority report
• Repair quotes or invoices