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Mediterranean yacht insurance for Greece-based yachts

Mediterranean yacht insurance is your yacht policy with the waters you plan to sail written into your Confirmation of Cover, so a season that crosses to Turkey, Italy, Albania, Montenegro or Croatia needs those waters added before you leave. DigiCare Insurance arranges yacht insurance for Greece-based yachts with the cruising area you plan, and we show what each neighbouring country's law asks of your policy.

  • Hull, machinery and equipment at the agreed value, anywhere inside the navigational limits on your Confirmation of Cover
  • Liability at the limit in your Schedule, checked against the strictest country on your route; Greece's injury minimum is €700,000 per event
  • Hull deductible of 1% to 5% of the hull value per claim; where your Schedule carries the Croatia clause, every deductible doubles in Croatian waters

Sailing outside the waters on your Confirmation of Cover is not covered. Tell us before you cross a border; the change is made by endorsement.

Get a Mediterranean yacht quote

Reviewed by Costas Matheou, licensed insurance agent

Country rules, laws read 17 October 2026

What each Mediterranean country asks your yacht insurance to cover

There is no single Mediterranean rule. Greece asks yachts over 7 m for €150,000 per person and €700,000 per event (Law 4926/2022, Art. 17). Italy asks any craft with an engine for €6,450,000 for injury and €1,300,000 for property per claim (D.Lgs. 209/2005, Art. 128). Croatia asks craft over 15 kW for €464,520 per event (ZOOP Art. 42). Your liability limit has to meet the strictest country on your route.

Greece

Who must be insured, what to carry
Pleasure craft over 7 m and speedboats; certificate on board in Greek or English
Legal minimum
Craft under 300 gt: injury €150,000 per person, €700,000 per event, €2,100,000 per period; property and pollution €150,000 each per event, €450,000 each per period

Under our policy

We ask for a liability limit at or above the Greek minimum when we quote

Italy

Who must be insured, what to carry
Any pleasure craft with an engine, sailing yachts with an auxiliary included, for the whole stay; the insurer must be established in Italy or an EU or EEA insurer authorised there
Legal minimum
€6,450,000 per claim for injury, €1,300,000 per claim for property

Under our policy

We confirm in writing, before you sail, that your limit and the insurer in your Schedule meet the Italian rule

Croatia

Who must be insured, what to carry
Foreign boats and yachts over 15 kW; the original policy on board, separate from the vignette and sojourn tax; the insurer must be authorised to cover in Croatia
Legal minimum
€464,520 per event, death and injury only; people aboard the craft at fault or aboard another vessel are not third parties

Under our policy

Covered inside your limits; we confirm the insurer qualifies in Croatia. With the Croatia clause, deductibles double and theft is covered only in an agreed commercial marina

Montenegro

Who must be insured, what to carry
Foreign yachts, before the navigation permit; insurance proof is one of the documents for the vignette
Legal minimum
Set by Montenegrin law

Under our policy

Covered inside your limits; tell us about tenders so they are on the policy

Albania

Who must be insured, what to carry
Foreign small craft entering Albanian waters; the policy carried on board
Legal minimum
Set by Albanian law

Under our policy

Covered inside your limits

Turkey

Who must be insured, what to carry
No legal minimum found for private yachts carrying up to 12 people; the electronic transit log is kept on board; marinas set their own rules
Legal minimum
None found for private yachts carrying up to 12

Under our policy

Covered only if Turkish waters are on your Confirmation of Cover

Sources, read 17 October 2026: Croatia Pravilnik NN 13/2020, Art. 8; Montenegro Compulsory Traffic Insurance Law, Art. 45 and Law on Yachts, Art. 20 and 21; Albania Law 32/2021, Art. 50; Turkey Sea Tourism Regulation, Art. 42 and 51. Laws change; the port authority's rule on the day applies.

No published price

How much does Mediterranean yacht insurance cost?

Mediterranean yacht insurance has no published price: the underwriter rates each yacht, and the cruising area on your Confirmation of Cover is one of the factors. You see the figure in writing before you pay.

  • Every yacht quoted individually
  • Terms in writing before you pay
Get a Mediterranean yacht quote

  • Cruising area

    What we ask
    Greek waters, Eastern Mediterranean or the whole Mediterranean, and the countries you plan to visit

  • Home port and winter berth

    What we ask
    Where the yacht is kept, and where it winters if outside Greece

  • The yacht

    What we ask
    Builder, model, year, length, hull material, flag

  • Agreed value

    What we ask
    Hull, machinery and equipment together

  • Skippers

    What we ask
    Who sails the yacht and their certificates

  • Liability limit

    What we ask
    The limit you want, set against the strictest country on your route

  • Claims and deductible

    What we ask
    Claims in recent years; a hull deductible of 1% to 5% of the hull value

Quotes are for 12 months, paid by bank transfer against the invoice.

Placed in the London insurance market through London Marine Insurance Services Ltd, a Lloyd's-accredited broker.

Navigational limits

Where your cover runs: Greek waters, the Eastern Med or the whole Med

Greek waters
Ask for it: Choose it on the quote form; the waters are written on your Confirmation of Cover
Eastern Mediterranean
Ask for it: Choose it on the quote form; the underwriter confirms which waters it covers on your Confirmation of Cover
Whole Mediterranean
Ask for it: Choose it on the quote form; one Confirmation of Cover for a season across several countries
One trip beyond your limits
Declare or confirm first: An endorsement before you cross; cover for the new waters starts only when it is written in
Italian waters
Declare or confirm first: Limit and insurer confirmed for Italy in writing before you sail
Croatian waters
Declare or confirm first: Check your Schedule for the Croatia clause: deductibles doubled, theft covered only in an agreed commercial marina
Winter berth outside Greece
Declare or confirm first: Declare the berth and the lay-up dates; the underwriter decides
War, capture and seizure
Not covered: Excluded in all waters, and nothing is covered that breaches UN, EU, UK or US sanctions
Russian-flag yachts
Not covered: Not insured
Trimaran, ferro-cement or "cigarette" hull, jet ski
Not covered: Not insured on this policy

Over 24 m or worth more than €5 million? See superyacht insurance.

Exclusions

What Mediterranean yacht insurance does not pay

  • Loss, damage or liability outside the navigational limits on your Confirmation of Cover
  • In Croatian waters, under the Croatia clause: theft of or from the yacht unless it is moored in a commercial marina the underwriters agreed in writing
  • War, civil war, capture, seizure, arrest or confiscation by any authority, in any waters
  • Piracy, and the costs of kidnap for ransom
  • Any cover that would breach UN, EU, UK or US sanctions
  • Sailing or living aboard during a declared lay-up period
  • Ice and freezing damage
  • Wear and tear, weathering and gradual deterioration
  • Fines and penalties imposed by any authority
  • Trimarans, ferro-cement hulls, "cigarette" boats, jet skis and other personal watercraft

Example: €12,000 repair in Croatian waters

€12,000

You · €4,000Policy · €8,000

Illustrative: agreed value €200,000, a 1% hull deductible, €12,000 of repairs after a rock strike. In Greek waters you pay €2,000 and the policy €10,000; in Croatian waters, under the Croatia clause, you pay €4,000 and the policy €8,000.

Source: London Marine policy wording and clauses (Croatia clause; general conditions 12, 13, 25, 29; hull exclusions 2, 7).

4 steps

How to insure a yacht for the Mediterranean

  1. 01

    Fill in the quote form

    The whole Mediterranean is preselected; change the area if you sail less far.

  2. 02

    Complete the questionnaire

    List the countries and months under waters to be navigated. A survey may be asked: approved within 45 days of the start date, recommendations done within 30 days of the survey.

  3. 03

    Check the terms and pay

    Terms, IPID and invoice first; you pay by bank transfer.

  4. 04

    Keep the papers on board

    London Marine issues your Confirmation of Cover. Keep the certificate on board for Greek checks (Art. 17(1)) and for each port of entry abroad.

Documents: registration, last survey or photos, skipper certificates, route and winter berth.

  • Registration
  • Survey or photos
  • Skipper licence
  • Route and winter berth

Departure formalities

Before you leave Greek waters

A Greek or other EU or EEA-flag yacht leaving Greek territory takes a departure permit from the port authority of the last Greek port; for Turkey, Albania or Montenegro you also clear passport control at a Schengen border crossing point (Reg. (EU) 2016/399, Art. 5). Missing the departure formalities costs the skipper €500 (Law 4926/2022, Art. 14 and 20).

  • Non-EU-flag yachts in Greece carry a Transit Log and, as a rule, clear in and out at every port
  • A Greek port authority can ban departure until the insurance certificate is produced
Get a Mediterranean yacht quote

FAQ

Questions about Mediterranean yacht insurance

Does my Greek yacht insurance cover me in Turkey, Italy or Croatia?
Only if those waters are inside the navigational limits on your Confirmation of Cover. A policy written for Greek waters stops at the border. Tell us your route and we add the waters by endorsement before you leave. For cover in Greece alone, see yacht insurance in Greece.
How do I extend my cruising area for one trip or one season?
Send us the route and dates. The underwriter amends your Schedule by endorsement and London Marine reissues the Confirmation of Cover. Do it before you cross: cover for the new waters starts only when it is written in, and any extra premium is shown to you in writing first.
Do I need a Turkish policy to sail to Turkey from Greece?
In the Turkish rules we read, the insurance duty binds certified sea-tourism operators and boats carrying more than 12 people (Law 2634, Art. 29); we found no legal minimum for a private yacht carrying 12 or fewer. The electronic transit log (seyir izin belgesi) must be kept on board, and marinas can ask for their own proof, so check with yours. For your claims, what matters is that Turkish waters are on your Confirmation of Cover.
Is my policy accepted in Italy?
Italy requires liability cover, at least the minimums in the table above, from every pleasure craft with an engine, sailing yachts with an auxiliary included, for the whole stay. It accepts insurers established in Italy, EU or EEA insurers authorised to cover there, and other insurers only through an Italian branch (DM 86/2008, Art. 8). Before you sail to Italy, we confirm in writing that your limit and the insurer in your Schedule meet that rule.
Why are deductibles higher in Croatia?
The Croatia clause in the policy clauses we place doubles every deductible in Croatian waters, and covers theft only when the yacht is moored in a commercial marina the underwriters agreed in writing; check your Schedule for it before you go. Croatian law separately asks foreign craft over 15 kW to carry liability of at least €464,520 per event for death and injury. The vignette and the sojourn tax are fees, not insurance.
What do Montenegro and Albania ask for?
Both make liability insurance a condition of sailing there. Montenegro asks for it before a foreign yacht gets its navigation permit, and the proof is one of the documents for the vignette at the port of entry. Albania asks foreign small craft entering its waters to carry a valid policy on board. Each sets its minimum in national law; send us your route and we check your limit.
Does a meltemi, bora or sirocco count as a storm claim?
Storm damage from a meltemi, bora or sirocco is accidental loss under the hull cover, at your Schedule deductible unless the named-windstorm terms apply. The policy wording sets a separate deductible of 10% of the hull value for a named or numbered windstorm, cover for named windstorms depends on a windstorm plan the underwriters agree, and your Confirmation of Cover states any windstorm limits; ask us how they apply before the season. Ice and freezing damage are excluded. Since 2021 Greece's weather service has named severe Eastern Mediterranean storms together with neighbouring countries' services (ΕΜΥ).
Can I winter my yacht in Turkey or Montenegro?
Tell us the winter berth and the lay-up dates: the mooring location is part of your cover, and during a declared lay-up the yacht may not be sailed or lived on. A winter berth outside Greece is the underwriter's decision. Living aboard through the winter? See liveaboard insurance.
Does Greek law still apply when I am abroad?
In Greece, Law 4926/2022 requires the cover while sailing, mooring and anchoring, with the certificate on board in Greek or English; in another country's waters, that country's rule applies. When an EU or EEA-flag yacht leaves Greece, the skipper takes a departure permit at the last Greek port.
Can I sail to Israel, Lebanon, Libya or Egypt on this policy?
Only waters on your Confirmation of Cover are covered. War, hostilities, capture and seizure are excluded in all waters, nothing is covered that breaches UN, EU, UK or US sanctions, and kidnap-for-ransom costs are never covered. Ask us before you plan these passages.
Important information

Cover is placed in the London insurance market through London Marine Insurance Services Ltd, a Lloyd's-accredited broker, and underwritten by the insurers named in your policy Schedule. Terms, exclusions and limits are in the policy documents (IPID and policy wording) provided in English before purchase. Cover applies only within the navigational limits on your Confirmation of Cover.

The policy is governed by English law; disputes go to arbitration in London.

Country rules here come from each country's legislation, checked on 17 October 2026. They are general information, not legal advice; the rules in force on the day of your visit apply.

Greek law requires liability insurance for pleasure craft over 7 m, covering sailing, mooring and anchoring, with the certificate on board (Law 4926/2022, Art. 17).

DigiCare Insurance is a licensed insurance intermediary. Legal information · How we review content

Complaints: contact us first; you can also turn to the Consumer Ombudsman (Συνήγορος του Καταναλωτή).

Reviewed by Costas Matheou, licensed insurance agent · Last updated: