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Croatia requires third-party liability insurance with a minimum sum insured for recreational craft, jet skis included. Marinas check the proof on arrival together with the boat's papers and the skipper's licence, and many will not put a boat in the water without it. No certificate, no berth. Carry one the staff can actually read: a policy printed only in German, for instance, helps little at the marina office.

The bora is a fall wind that comes off the land suddenly and hard. Typical results are anchors breaking out, boats dragging, lines parting at the berth and damaged pontoons, alongside scrapes against the quay, groundings in narrow coves and theft from unattended boats. Check which part of your policy deals with storm damage and which deals with dragging, stranding, capsizing and collision.

If you leave the boat for weeks, read what your conditions demand for berthing and anchoring, because this is where insurers differ most. If you charter the boat out, commercially or privately, make sure your insurer knows. The premium follows where the boat is kept, not where you live: a boat berthed in Croatia is taxed at the rate of that country. A permanent move of base belongs in a letter before a claim, not after.

Is boat insurance compulsory in Croatia?

Yes. Third-party liability insurance with a minimum sum insured is required by law for recreational craft, including jet skis, and it is enforced. Marinas ask for the certificate when you arrive or launch, so keep it on board in a language the staff can read.

Can I leave the boat at anchor with nobody on board?

That depends on your own policy, and the market varies widely on this point: some insurers require the boat to be permanently crewed. Read that line of your conditions before you spend a summer at anchor among the islands, and ask your insurer if the wording is unclear.

What should I check before wintering in Croatia?

Ask your insurer whether time ashore, including craning and chocking, is part of your cover. Then read the boatyard's contract as well: the yard insures its own shed or hall, not your boat standing inside it, so its policy is no substitute for your own.

Liability

Why third-party liability is the part most countries ask to see.

Hull

Agreed value, market value and what decides a hull claim.

Boat insurance in English

The clauses worth checking before you sign, in plain English.

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