The development of structural monitoring systems on-board vehicles aims to achieve a full-picture of the vehicle response under operating conditions. The use of different data sources is a key point for many SHM approaches which demand for extensive information and data fusion techniques to address the specific inverse problem in a robust way. Therefore, a procedure to transform pointwise measurements into a continuous representation of the monitored structure is presented in this paper. To achieve the desired monitoring goals, a numerical approach which combines experimental recorded data and modelled responses from a ship structural model is developed. Craig-Bampton truncation technique is applied on the FE vehicle model to reduce elastic dofs and obtain a computationally cost-effective model. The main advantage of Craig-Bampton modes is the capability to keep unchanged the information at the sensor nodes. A state observer is then built to evaluate the elastic deflection field and the loads over the structure in the points where no measurement is available. A natural second-order observer is exploited as it is more suited for the present application than the Kalman filter. To enhance the observer performances, an optimization process is carried out based on a learning phase. Following a previous paper about theoretical aspects of the virtual sensing approach on 1D structures. the developed techniques are here applied to the monitoring of the structural deflections and the ambient excitation relative to an elastically scaled model of a fast catamaran, tested in the towing-tank. Accelerations and strain-gage data are used to reconstruct the elastic deformations of the physical model metallic backbone scaling the reference ship behavior. Hydrodynamic load data relative to the demihull portions and the wetdeck are obtained as well.