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Boat Insurance in Gran Canaria
If your boat is based in Gran Canaria, the insurance needs to match the way you actually use it: coastal trips, passages between islands, Atlantic cruising or a longer stay outside the archipelago. As well as price, we review the cruising area, who is allowed to skipper the boat, the insured value, third-party liability, mooring conditions and the deductible before comparing proposals.
- Cruising area: coast, archipelago or Atlantic routes
- Skipper: qualifications and authorised operators under the policy
- Foreign flag: documentation valid for navigation in Spain
- Local office: Playa del Inglés
Request a boat insurance quote
For motorboats, sailing yachts and other leisure craft. Tell us the type of vessel, length, year, approximate value, mooring location and intended cruising area. Boat documents and any existing policy can be reviewed afterwards.
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How it works
From the form to a useful comparison
Complete the form
Tell us the type of vessel, length, year of build, approximate value, engine details, mooring location and the area in which you plan to sail. If you already have insurance, the renewal date and current cover are also useful.
We review the cruising area and use
Michael Dittkrist will contact you, normally the same day or the next working day. We look at where you will sail, who will skipper the boat, which flag it carries, where it is moored and the value you want to protect. Those details determine which proposals are worth comparing.
Compare the options
We present several proposals and compare cruising area, liability cover, hull valuation, deductibles, mooring requirements and the conditions applying to authorised skippers. If you already have a policy, we review it before you consider replacing it.
Your local contact
Boat insurance advice in Gran Canaria
Michael Dittkrist, C1 Broker insurance broker in Gran Canaria
Michael Dittkrist
Michael Dittkrist advises owners from the Playa del Inglés office who keep their boat in Gran Canaria or bring it to the island for a stay, relocation or crossing. With marine insurance we review the cruising area, skipper qualifications and authorised operators, the vessel’s flag, insured value, liability cover and mooring requirements. If you already have a policy, we can compare it with alternatives before you change it.
- Phone: +34 928 988 538
- Mobile: +34 634 10 62 16
- Email: [email protected]
- Office: Av. Tirajana 16 Bj, 35100 Playa del Inglés, Gran Canaria
- Languages: English, Spanish and German
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Cruising area: the policy must cover the route you actually sail
Boat insurance applies within the cruising area stated in the contract. For a vessel based in Gran Canaria, coastal cover may be enough for local use, while anyone sailing between islands needs to check that the open-water passage is included. An Atlantic crossing requires a much wider area. Sailing outside the agreed territory may restrict or exclude cover depending on the policy.
The cruising area also needs to be compatible with the skipper’s qualifications. For Spanish-flagged craft, the permitted navigation depends on the licence held and the type of voyage. With foreign-flagged vessels, the required documentation may depend on the flag state or the skipper’s status. Before a new route, check both points: the insurance territory and the qualification needed to make the trip.
Imagine a motorboat moored in Puerto de Mogán that normally cruises along the south coast and plans a summer trip to Tenerife. Before departure there are three practical checks: whether the policy’s cruising area includes the inter-island passage, whether the skipper holds the appropriate qualification and whether any passenger accident cover applies to the people who will be on board.
From Las Palmas into the Atlantic: crossings, rallies and changes of area
Las Palmas is a common departure point for Atlantic crossings and cruising rallies. A policy limited to the Canary Islands should not be assumed to cover a voyage towards Madeira, Cape Verde or the Caribbean. Before the crossing, ask the insurer to extend the cruising area or arrange specific cover and confirm the terms applying during the voyage and after arrival.
A sailing yacht at Muelle Deportivo before an Atlantic crossing
Suppose a yacht stays at Muelle Deportivo in Las Palmas throughout the year and its owner plans to cross the Atlantic with three friends in November. If the current policy only covers the Canary Islands, an extension will be needed for the passage. The insurer may ask for the route, dates, crew experience, principal skipper and destination port before confirming cover.
Races and rallies: standard cover may not be enough
Taking part in a regatta or rally can introduce conditions different from ordinary leisure cruising. The liability cover required by the organiser and any hull cover during the event should be checked separately. The notice of race or event rules may require minimum limits, certificates or extensions that are not automatically included in a standard policy.
If the boat will remain outside the Canaries after the crossing, it is not enough to insure only the outward voyage. You also need to confirm the period afterwards, where the boat will be moored and the area in which it will continue to sail. The earlier the itinerary is disclosed, the easier it is to obtain a clear answer before departure.
Foreign-flagged boats: documentation for Spanish ports
A foreign-flagged vessel navigating Spanish waters or entering and leaving Spanish ports needs to be able to show the insurance evidence required for that navigation. The country in which the policy was issued is not the only issue: the cover and proof of insurance need to be valid for the vessel’s use in Spain and capable of being presented when requested.
If you bring a boat that is already insured in another country, obtain written confirmation that the policy remains valid when the boat is habitually based in Gran Canaria, which liability limits apply and what document the marina or port authority accepts as proof. A contract designed only for temporary visits may operate differently once the normal place of mooring changes.
The mooring agreement may also require a particular liability limit or a specific certificate of insurance. If your marina imposes its own requirements, send us the relevant clause. We can then compare the insurance with the berth contract so that a policy that looks adequate on paper does not fall short of the marina’s conditions.
Six points worth comparing in boat insurance
Two policies with a similar premium can respond very differently. With marine insurance it is worth comparing the cruising area, who may skipper the vessel, how the boat is valued, liability limits, mooring obligations and the deductible that applies when a claim occurs.
Cruising area
Where the cover applies
- Cover may be limited to coastal waters, an archipelago or a defined Atlantic region
- Check inter-island passages and long-distance crossings specifically
- A temporary extension may be needed for an exceptional route
Skipper
Who is allowed to operate the boat
- The policy may restrict operation to the owner or named skippers
- The qualification must be appropriate for the vessel and intended navigation
- A professional or delivery skipper may need to be declared separately
Insured value
How compensation is calculated
- Claims may be settled on an agreed-value basis or another contractual valuation method
- Tender, outboard engine and electronics may need to be listed separately
- Check how depreciation of older components is treated
Third-party liability
Which third-party losses the policy covers
- Compulsory liability establishes a minimum level, but higher limits can be arranged
- Check damage to other boats, harbour installations and third parties
- Read exclusions and special limits before choosing on price alone
Mooring
What the insurer expects while the boat is in port
- Mooring lines, fenders and berth arrangements need to be maintained properly
- The policy may require extra precautions during storms or long absences
- The marina contract may impose its own limits or certificate requirements
Deductible
The part of the claim you pay yourself
- It may be a fixed amount or a percentage of the loss depending on the policy
- A higher deductible can reduce the premium but increases your share of a claim
- Theft, storm damage or other losses may have their own deductibles
The exact scope of each benefit depends on the insurer’s policy wording. This comparison helps identify differences, but the issued policy is always the document that determines the cover, limits, obligations and exclusions.
For an initial comparison we need the vessel type, length, year, value, engine, flag, mooring location, intended cruising area and basic details of the usual skippers. The insurer may later ask for additional documents, photographs, inventory or sailing experience depending on the risk.
For the rest of the products handled from the island, see our Gran Canaria insurance overview. If you already have a marine policy, send it to us and we can compare the wording as well as the price.
The information on this page is general and current as of October 2026. Compulsory insurance, licensing, navigation and documentation requirements should be checked for the individual vessel and route. The policy, the insurer’s terms and the applicable rules always take precedence.
When it is worth reviewing a boat policy you already have
A policy can become outdated if the mooring changes, you extend the cruising area, add another skipper, install new electronics, replace the engine or the vessel’s value changes significantly. It is also worth reviewing before any passage that takes the boat outside its normal operating area.
Do not compare premium alone. Review insured value, liability limits, deductibles, hull cover, theft, assistance, cruising area and obligations during storms or long periods without use. A small price difference can hide very different conditions when a claim actually occurs.
We do not recommend cancelling an existing policy until the new insurer has confirmed acceptance, final terms and the start date. If the boat is financed, subject to marina insurance requirements or about to begin a crossing, check that the new policy also satisfies those obligations before replacing the old one.
If you want a second opinion, send us the current policy, latest renewal and, where relevant, the mooring agreement. We can review the cruising area, valuation basis, authorised skippers and deductibles and compare them with new proposals.
Acceptance, pricing and benefits depend on the insurer, the vessel, its use, cruising area, mooring and skipper experience. This page explains general comparison criteria and does not constitute a contractual offer.
Frequently asked questions about boat insurance in Gran Canaria
Do jet skis, kayaks and small craft need compulsory insurance?
The requirement depends on the type and characteristics of the craft. Jet skis are subject to compulsory third-party liability insurance. For non-powered craft, the legal requirement can depend on length, while adding an engine can change the position. Even where compulsory insurance does not apply, a small craft can still cause damage to others, so each case should be checked individually.
We want to take part in a regatta. Is the standard policy enough?
Not necessarily. Regattas and related training can require specific liability cover and the organiser may set particular limits or certificate requirements. Hull cover during the event should also be checked separately. Send us the notice of race or event rules and we can review both points before you enter.
I am buying a used boat on the island. What happens to the existing insurance?
When buying a used vessel, ask for the policy and proof of payment and make sure the transfer is notified properly to the insurer. Spanish insurance law can have consequences for the contract when the insured property is transferred, but voluntary covers and policy terms may add further rules. Do not assume that the seller’s insurance will automatically be suitable for the new owner.
A fire at the neighbouring berth spreads to my boat. Who pays?
If another party is legally responsible, their liability insurer may respond. If your own policy includes hull damage and fire, your insurer may also deal with the loss and later recover from the responsible party where appropriate. Photograph the damage, notify the insurer promptly and avoid permanent repairs before the loss can be assessed when required.
I will be away from the island for several months. What should I check?
Review the obligations applying while the boat is unused: periodic checks, the condition of mooring lines and fenders, batteries, closures and precautions during weather warnings. A long absence can also be relevant if it changes the circumstances declared when the policy was arranged. If you will be away for months, review the wording before leaving.
I want to move my boat from the Mediterranean to Gran Canaria. What needs to be insured?
The policy must cover the complete passage from the current berth to Gran Canaria, including the waters in between. If the existing cruising area does not include the route, request a transit extension or specific delivery cover. A professional skipper must also satisfy the qualifications and policy conditions. After arrival, confirm ongoing cover with the boat habitually based in the Canary Islands.
What happens if a storm damages the boat while it is moored?
It depends on the covers purchased and the policy obligations. Wind, waves, floating debris or failure of mooring lines may be treated differently depending on the cause and wording. The insurer may also require reasonable precautions when a storm warning is in force. Keep evidence of the mooring condition and check the required measures before severe weather.
C1 Broker Gran Canaria – Playa del Inglés office
New policy, relocation or a second opinion on your boat insurance
No obligation · We normally respond the same day or the next working day