We can insure your boat wherever it is kept and whilst in use. This includes dry stack, canal jetty, marina or trailer.
The safety of your passengers is paramount and this includes making sure that if something goes wrong you have their medical costs covered.
Marine insurance usually includes a component for physical damage, which covers your boat, motor and associated equipment (such as a trailer) against a range of risks which might include theft, fire, vandalism, accident and storm damage.
Some policies include an additional option to take out extra medical coverage in case of injury or accident, while others will include medical expenses within the policy.
If you, or a passenger on your boat, accidentally injure another person or property, liability coverage will pay associated financial costs. Different policies have different limits to liability coverage, so make sure you understand exactly how much you are insured for before you take out a policy.
When you are looking at marine insurance, make sure that everything you want covered is included in the policy. Where there are exclusions, check whether you can take out additional cover if you need to.
For example, you may want to make sure that your trailer is covered. Are you are covered for towing, in the case of your boat or trailer breaking down?
You should check whether personal effects on your boat are covered, such as fishing equipment, radar and other communications gear, mobile phones and cameras. Do you have coverage for injury caused to your boat or your passengers by another uninsured boater?
If you take part in marine racing, you need to make sure that the insurance that you take out covers you for this.
If you are part of a marine competition, it is possible that event organisers have a separate insurance arrangement. You should be aware of what cover you need to take out yourself, and what cover might be included in the entry fee that you pay to take part in the competition.
Blue water and international coverage
Before you sign up for marine insurance, you need to be clear about how you will use your marine craft.
If you will be taking it into blue water – that is, into open seas more than 250 nautical miles from land, international waters or even travelling to another country – you will probably need to take out additional insurance and fill certain criteria related to offshore safety equipment and communications equipment.
There may also be restrictions around the time that you can travel into international waters, depending on known cyclone and storm seasons.
Optional cover
Katherine (08) 7919 7019
2/46 Chardon St