Online purchase, 10% off
Službena stranica ↗PRAKTIČNI PREGLED
⛵ Insurance for boats, ships and vessels
For boats, distinguish insurance for the vessel itself from liability towards third parties, and check the cruising area and seasonal restrictions.
DOES YOUR BOAT NEED COMPULSORY INSURANCE?
Check in 3 steps: type, engine power and use
The answer is based on Croatia’s Compulsory Traffic Insurance Act and the Regulation on boats and yachts. Prices are insurers’ officially published gross amounts.
1 hp ≈ 0.7355 kW
Yes – compulsory liability insurance is required
Total propulsion power exceeds 15 kW (ZOOP Art. 3; Regulation Art. 8). The policy must be valid before you set out and for as long as the boat is used (ZOOP Art. 4).
No – up to 15 kW the law does not require it
The duty applies to total propulsion power above 15 kW. Voluntary liability and hull cover are still useful if the boat has value or you sail near swimmers.
No – vessels without an engine are not covered by the duty
ZOOP imposes the duty on motor boats and yachts; canoes, kayaks, pedalos and boards are not boats under the Maritime Code.
Your estimate35,84 €Published annual gross premium (Generali; Wiener publishes the same table)
Commercial use: besides liability, passenger accident insurance is compulsory if you carry passengers or rent the boat out with crew – at least €5,300 for death and €10,610 for permanent disability (ZOOP Arts. 17 and 19).
- Minimum sum insured
- €464,520.00 per event (ZOOP Art. 42, OG 155/23)
- What the policy covers
- Death, bodily injury and harm to the health of third parties – e.g. swimmers, divers, people on the beach
- What it does not cover
- People on your boat and damage to property; for that you need passenger accident cover, voluntary liability or hull insurance
- Fine without a policy
- €660–6,630 for the owner or user (ZOOP Art. 65)
- Foreign flag
- Foreign boats and yachts above 15 kW must also hold a valid policy in Croatian waters (ZOOP Art. 41; Regulation Art. 8)
Published annual gross premium (Generali; Wiener publishes the same table)
| Engine power | Private | Commercial, not rental | Commercial – rental |
|---|---|---|---|
| >15–30 kW | Private23,89 € | Commercial, not rental42,47 € | Commercial – rental51,76 € |
| >30–50 kW | Private35,84 € | Commercial, not rental59,73 € | Commercial – rental71,67 € |
| >50–110 kW | Private47,78 € | Commercial, not rental83,62 € | Commercial – rental100,87 € |
| >110–180 kW | Private67,03 € | Commercial, not rental96,89 € | Commercial – rental116,80 € |
| >180 kW | Private79,63 € | Commercial, not rental112,81 € | Commercial – rental135,38 € |
Where to buy compulsory boat insurance
Published price table (above)
Službena stranica ↗Same published table; 5% off for one-off payment
Službena stranica ↗Published: €23.89 to €135.37
Službena stranica ↗Online purchase
Službena stranica ↗Price not published
Službena stranica ↗Price not published
Službena stranica ↗UniMAR package: hull, skipper liability, water-ski towing
Službena stranica ↗Price not published
Službena stranica ↗GRAWE PLOV package
Službena stranica ↗Data from ZOOP (OG 155/23), the Regulation on boats and yachts and insurers’ official pages. Some insurers show €464,529.83 (converted from kuna); the law states €464,520.00. · 6. 11. 2026.
What to check before comparing
01
Damage to your own vessel
02
Liability to third parties
03
Teritorij plovidbe
04
Krađa opreme
05
Spašavanje i tegljenje
06
Franšiza
07
Exclusions for regattas or charter
Don't compare price alone
Policies in the same category can have different limits, deductibles, exclusions and definitions of insured events. Regulatory classes and product names do not replace the IPID and terms of a specific offer.
PUBLICLY VERIFIED PRODUCTS
Produktni zapisi u kategoriji
This is a catalogue of verified public names and offers, not a price list or ranking.
Boat insurance26. 9. 2026.
Moj (o)siguran brod
Wiener · Wienerova ponuda osiguranja plovila.
Publicly verified
The official website lists Moj (o)siguran brod.
Boat insurance26. 9. 2026.
GRAWE PLOV
GRAWE · A vessel insurance product.
Publicly verified
The official IPID directory lists GRAWE PLOV.
Boat insurance26. 9. 2026.
Pomorska osiguranja
Generali · Generali ponuda pomorskih osiguranja.
Publicly verified
The official overview of insurance lists marine insurance.
Boat insurance26. 9. 2026.
Compulsory vessel insurance
Sava · podružnica · Compulsory insurance for boats and vessels.
Publicly verified
The official website lists compulsory vessel insurance.
Boat insurance26. 9. 2026.
Boat insurance
Croatia osiguranje · Vessel insurance from Croatia's publicly listed offer, with scope depending on the specific policy taken out.
Publicly verified
On its official website, under Other, Croatia publicly lists Vessels.
Boat insurance26. 9. 2026.
Boat insurance
Allianz · Allianz's publicly listed vessel insurance offer for private users.
Publicly verified
The official Allianz navigation publicly lists Vessel insurance.
Boat insurance26. 9. 2026.
Charter deposit insurance
UNIQA · A UNIQA product publicly listed for charter deposit insurance.
Publicly verified
The official UNIQA webshop publicly lists Charter deposit insurance.
Boat insurance26. 9. 2026.
GO SAIL
Groupama · podružnica · GO SAIL vessel insurance from Groupama's current offer.
Publicly verified
The Groupama branch's official website publicly lists GO SAIL.
Boat insurance27. 9. 2026.
Compulsory insurance for a boat or yacht
Adriatic · Compulsory liability insurance for the owner or user of a boat or yacht, covering contracted damage to third parties.
Publicly verified
The official ADRIATIC webshop page publicly lists compulsory liability insurance for the owner or user of a boat or yacht.
TERMS AND COVER
What to check in the documents
?→?→?→?→
Franšiza
The part of a loss that, under the contract, remains the policyholder's responsibility or applies as an agreed threshold.
Cover limit
The maximum amount up to which the insurer assumes liability for a given cover or period.
Podlimit
A separately lower limit within a broader cover, often for a particular type of loss or cost.
Exclusions
Circumstances and events for which the insurer, under the terms, has no obligation.
Information only — not a sales platform. We do not sell policies, send insurer enquiries or rank a 'best' offer. Actual coverage is governed by the offer, IPID, contract and insurer's terms.