Frequently Asked Questions
Owning a boat comes with a bunch of moving parts. Insurance shouldn't be one of them. We've put together answers to the stuff we hear most often — because you deserve to understand exactly what you're getting (and what you're not).
We cover the big ones: hull damage, liability if you hurt someone else, medical payments, and theft. But here's the thing — boats aren't one-size-fits-all. Your sailboat needs different protection than a jet ski or fishing cruiser. We'll walk you through what makes sense for your specific boat and how you actually use it. Give us a call at +385 37 441 1166 and let's talk specifics.
Pricing depends on your boat's age, what it's worth, where you dock it, and how often you're out on the water. A 22-foot recreational boat runs differently than a commercial fishing vessel. Rather than guess, just reach out — we'll pull together a quote that's honest about your actual situation. No hidden stuff. No surprises later. Contact [email protected] or call us.
We get it — dropping a big chunk of money at once isn't convenient. Most of our clients pay in 3 or 4 installments throughout the year. Monthly options exist too, though you'll pay slightly more overall. When you're getting your quote, just ask about payment plans. We're flexible here.
Pretty fast, honestly. Once we have your boat details and some basic info about you, coverage can start within 24-48 hours. We've gotten people covered same-day before (though don't count on that every time). The real timeline depends on how quickly you get us the paperwork. Don't wait until day-of-purchase though. Reach out now at +385 37 441 1166.
Call us first. That's it. We handle the rest — we'll guide you through documenting what happened, connect you with our adjusters, and keep things moving. Most straightforward claims get resolved in 2-4 weeks. We won't jerk you around or deny stuff that's clearly covered. That's not who we're. We're here in Dubrovnik, so there's a real person you can talk to.
We've got coverage for Croatian waters and select European routes. If you're planning to take your boat further out, tell us before you go. Some trips need additional coverage or different policies. It's not complicated, but it matters. Just give us a heads-up about your plans, and we'll make sure you're protected wherever you're headed.
You've got options. Some folks keep their policy active year-round (easier when spring comes). Others suspend coverage during storage — we'll adjust your premium accordingly. You can't just vanish though. Let us know your plans. We'll make sure you're not paying for something you're not using, and that you're protected the moment you're back on the water.
If you're unhappy in the first 30 days, we'll refund your premium. No questions, no drama. But honestly? We'd rather fix whatever's wrong than have you leave. Call us at +385 37 441 1166 and tell us what's not working. We can probably adjust your coverage or answer whatever you're confused about. Most times people just needed better information.