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Coverage for your boat and liabilities on the water.
Boat insurance provides cover for your watercraft – whether it's a yacht, speedboat, jet ski, or small runabout. It typically covers accidental damage to your boat (for example, from collisions, grounding, storms), theft of the boat or equipment, and liability for damage or injury you might cause to others while using your boat. Policies can also cover damage while the boat is in transit on a trailer or in storage. If you own a boat in Australia, especially an expensive one or if you moor it at a marina (which often require insurance), boat insurance protects you against costly incidents on and off the water.
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Covers repair or replacement costs if your boat is damaged in an accident – for example, hitting a submerged object or another vessel – ensuring you're not paying huge repair bills out of pocket.
Provides coverage if your boat (or outboard motor, equipment, etc.) is stolen or maliciously damaged. This means you can recover financially if someone steals your vessel or its parts, whether it's at home, in storage, or at the marina.
Covers legal liability if you accidentally damage someone else's property or injure someone with your boat. For instance, if you collide with another boat or cause an accident, this coverage handles the costs of damage or medical claims against you.
Common questions about boat insurance
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