Boat Rental Insurance in Dubrovnik — What’s Covered & What You Need to Know (2026)

When you rent a boat in Dubrovnik, understanding insurance coverage protects both you and your vacation. Boat rental insurance can be confusing — what’s included? What’s your liability? Do you need additional coverage? This guide explains everything you need to know about insurance when renting a boat in Croatia.

At Rent Boat Dubrovnik, we include comprehensive insurance with every rental because we believe peace of mind should be standard, not an expensive add-on.

What Insurance Is Included with Boat Rental?

All Rent Boat Dubrovnik rentals include:

Third-Party Liability Insurance

• Coverage: Up to €500,000
• What it covers: Damage you cause to other boats, property, or people
• Example: If you accidentally hit another vessel, our insurance covers the damage

Passenger Insurance

• Coverage: All passengers on board
• What it covers: Injury or accident to any person on the boat
• Includes: Medical evacuation if needed

Basic Hull Insurance

• What it covers: Damage to the rental boat itself
• Deductible (excess): Varies by boat (see below)

Understanding the Deductible (Excess)

If the rental boat is damaged during your rental period, you’re responsible for the deductible amount. This varies by boat:

| Boat | Daily Rate | Deductible |
|——|————|————|
| Pasara | €150 | €300 |
| Tiburon 180 | €200 | €400 |
| Barracuda 530 | €180 | €500 |
| Cap Camarat 6.5 | €300 | €800 |
| Quicksilver 675 | €300 | €800 |
| Quicksilver 755 | €400 | €1,000 |
| Quicksilver 805 | €450 | €1,200 |

How it works: If damage exceeds the deductible, you pay the deductible and insurance covers the rest. If damage is less than the deductible, you pay the actual repair cost.

Security Deposit

We require a refundable security deposit at the start of your rental:

• Amount: Equal to the deductible for your boat
• Payment: Credit card hold (not charged unless needed)
• Return: Released within 24–48 hours of returning the boat undamaged

What’s NOT Covered

Standard insurance does not cover:

• Negligence: Damage from reckless operation, exceeding speed limits in harbors, or operating under the influence
• Grounding: Running aground due to failure to follow navigation guidelines
• Personal belongings: Your phones, cameras, bags lost overboard
• Fishing equipment: Lost or damaged fishing gear
• Anchor and chain: Lost anchors (rare but possible)

Optional Deductible Waiver

Want extra peace of mind? We offer an optional Deductible Waiver:

• Cost: €30–50 per day depending on boat
• Benefit: Reduces your deductible to €0
• Recommended for: First-time renters, nervous captains, families with children

With the waiver, you return the boat and we handle any damage claims — you’re not responsible for anything except gross negligence.

Your Travel Insurance

We strongly recommend having personal travel insurance that covers:

• Trip cancellation: If you can’t make your boat rental due to illness
• Medical expenses: Beyond what boat insurance covers
• Personal belongings: Your cameras, phones, etc.
• Repatriation: Getting home in an emergency

Many credit cards include travel insurance — check your benefits before your trip.

What Happens If There’s Damage?

1. Report immediately: Call us as soon as damage occurs (+385 91 600 1201)
2. Document: Take photos of the damage
3. Complete form: Fill out an incident report when you return
4. Assessment: We assess the damage and provide a repair estimate
5. Resolution: Deductible charged to your deposit, or waived if you purchased the option

Why We Include Insurance

Some operators offer cheaper rates but exclude insurance or charge extra. At Rent Boat Dubrovnik, we believe:

• Insurance shouldn’t be a hidden cost
• Transparent pricing builds trust
• You shouldn’t worry about “what if” during your vacation
• Peace of mind is priceless

When comparing boat rental prices in Dubrovnik, always ask: is insurance included?

Summary: Your Coverage

| Coverage | Included? | Notes |
|———-|———–|——-|
| Third-party liability | ✓ | Up to €500,000 |
| Passenger injury | ✓ | All persons on board |
| Hull damage | ✓ | Subject to deductible |
| Deductible waiver | Optional | €30–50/day |
| Personal belongings | ✗ | Use travel insurance |

Book with Confidence

All Rent Boat Dubrovnik rentals include comprehensive insurance. No surprises, no hidden fees.

Contact us with any insurance questions, or browse our boats to start planning your trip.

All rentals depart from Marina Frapa, Lapadska obala 21a, Dubrovnik.