New rules in nautical insurance: what is changing and how it affects boat owners and rental vessels

The nautical sector is facing significant regulatory updates this year, particularly regarding civil liability insurance and requirements for rental vessels. These changes aim to strengthen maritime safety and adapt to the growing demand for nautical tourism.

Updates to civil liability regulations

The new rules increase the minimum mandatory coverage for recreational boats. The goal is to ensure greater protection against third‑party damage—both material and personal—especially in areas with heavy maritime traffic.

New requirements for rental vessels

Charter boats must now comply with additional obligations, including:

• Expanded civil liability coverage

• Specific insurance for commercial activity

• Reinforced safety protocols for users

These measures are designed to improve safety for tourists and occasional sailors.

How the changes affect private boat owners

Private boat owners will need to review their insurance policies to ensure they meet the new minimum requirements. Although the enhanced coverage may slightly increase costs, it also provides more comprehensive protection in the event of an incident.