Marine insurance provides comprehensive protection for recreational and commercial vessels, covering accidental damage such as collisions, grounding, submerged object strikes, and storm‑related loss. Policies also protect against theft and vandalism whether your boat is moored, stored at home, or in transit.

Key benefits include:

• Accidental damage to the hull, machinery, and onboard equipment.

• Theft and vandalism across storage, mooring, and transport.

• Third‑party liability for damage or injury caused to others.

• Cover for gear and accessories, including electronics, navigation equipment, safety gear, fishing equipment, outboards, tenders, trailers, spars, sails, and machinery.

• Emergency support, such as towing after a breakdown and temporary accommodation following an accepted claim.

• Optional extensions such as racing cover, offshore navigation limits, and agreed value settlements for total loss scenarios.

Normal wear and tear, poor maintenance, intentional damage, and operating outside declared territorial limits are not typically covered.

Trailer Boats

Trailer boats require cover that reflects use both on the water and on land. Policies generally include sudden accidental loss or damage during launch, retrieval, transport, storage, or active use.

Common inclusions:

• Transport and storage cover while towed, stored at home, or kept at a yard.

• Equipment protection for engines, controls, electronics, safety gear, anchors, spars, sails, rigging, foils, tenders, hulls, paddles, racks, and flotation devices.

• Optional benefits such as racing cover, agreed value settlements, and tow‑home assistance.

Premiums are influenced by vessel type, age, and value, while secure storage, recognised security devices, boating qualifications, and an appropriate excess can help manage costs.

Jet Skis

Jet skis need targeted protection due to their speed and use in busy waterways. Insurance typically covers accidental damage and theft whether on the water, in transit, or in storage.

Cover often includes:

• Machinery and accessory protection, including engines, controls, safety gear, and trailers.

• Liability cover for damage or injury caused to others.

Premiums reflect the jet ski’s value, rider experience, claims history, and storage security. Usage patterns — such as harbour riding, coastal trips, tow sports, or solo recreation — help determine whether you need add‑ons like towing assistance or extended navigation limits.

Yachts and Launches

Yachts and launches require tailored cover that reflects their complexity and how they are used. Policies typically include accidental damage to the hull, machinery, spars, sails, rigging, tenders, and outboards, along with equipment and accessory protection.

Optional extensions include racing cover, offshore navigation, tow‑home assistance, and agreed value settlements. Premiums depend on vessel type, size, age, usage, and mooring or berthing arrangements, making it important to align cover with your sailing or cruising plans.

Key Considerations

• Declare territorial limits to ensure your policy matches where you operate.

• Maintain your vessel to avoid claims being declined due to poor condition.

• Document security and storage arrangements to reduce risk.

• Fully disclose modifications, racing plans, extended trips, and changes in use.

• Keep service records, photos, and gear inventories to support smoother claims.

We understand that every boat owner is different, which is why we tailor our advice to your vessel, lifestyle, and budget. Whether your boat is moored at Lake Dunstan, stored in your shed, or heading to Bluff for the summer, we help you secure the right protection so you can enjoy the water with confidence.