We require you to provide us with the report listed on your documentation. 

Runabouts, Jet Skis and trailered Trailer Sailers generally require a Condition Report: Trailerable Boats completed by a qualified marine mechanic or boating service centre, plus colour photos.

Cruisers, Yachts/Catamarans, Houseboats, Trimarans and moored Trailer Sailers generally require a Survey Report or a Marine Craft Risk Evaluation completed by either a qualified marine surveyor or shipwright, plus colour photos.

Please check your documentation for the report we require you to provide us.

No. The vessel must be physically and visually inspected by a qualified person. Any report completed using AI or images alone will be considered void and will not be accepted by us.

The report must be dated as at the date the inspection was completed and must clearly state the name of the person who inspected the vessel and the name of the company or business completing the report.

In the case that we require clarification of any details within the report, we reserve the right to reach out directly to the person or business that completed the report.

If you have been requested to provide a report it is a mandatory requirement if you wish to continue insuring your vessel with us.

In our experience vessels that have issues are typically those that have not been regularly maintained or serviced. In many cases these issues can go undetected by the owner until something goes wrong, either on or getting to the water.

A report helps identify any underlying concerns with the structural integrity or mechanical condition of your vessel before they become a safety risk. It is to provide both you and us the confidence that your boat is in a seaworthy condition and safe for you and your passengers.

If the boat has recently changed ownership, we may accept a report completed within the last 12 months. For boats where ownership hasn't changed, reports within the last 2 years may be acceptable. 

If you don't have a copy of the report, you may be able to obtain it by:

• Asking the previous owner to send you a copy directly.
• Asking the previous owner to contact us and confirm that we can release the report to you. To do this, they'll need to provide your full name and authorise us to share the report with you.

Club Marine will request a report or survey every 5 years. We provide 12 months' notice to have the inspection report completed unless otherwise stated, allowing you plenty of time to arrange the inspection to coincide with your usual service and maintenance program.

Survey Reports and Marine Craft Risk Evaluations are required to be completed by a qualified marine surveyor or shipwright.

Condition Reports: Trailerable Boats are required to be completed by a qualified marine mechanic or boating service centre.

Please note all reports require the boat inspected out of water.

You can find an approved provider using our Service Provider Locator or use your own provider as long as they hold the appropriate qualifications and insurance.

We recommend you speak to the person who is completing the report to ask their requirements.

If the report identifies issues, we will request confirmation of repairs or a maintenance plan for any items noted requiring further attention.

When submitting your report, please include in writing:

• Details of repairs, actions and maintenance you intend to take
• Approximate timeframes for repairs

If a defect or unseaworthy condition on your boat contributes to a loss your claim may be reduced or refused under the policy's general exclusions.

We understand that not all repairs are a quick fix. Depending on the nature of the issue and the level of risk we may accept a maintenance plan that outlines how and when repairs will be completed. If the issue affects the seaworthiness of your boat, repairs may need to be completed before full cover can be provided.

The report itself doesn't set your premium. Your premium is calculated at each renewal based on a range of factors. However, depending on the outcome of the report, your excess or cover terms may be adjusted which can impact your premium.

If issues are identified, we may need to impose a higher excess or adjust your cover terms based on the reported condition of your boat, this may also cause a decline to cover. In some cases, we may be able to offer restricted cover while repairs are being completed, this will depend on the nature and severity of the issues found.

If significant defects are identified that compromise the seaworthiness of your boat, we may not be able to provide cover until the issues have been rectified and proof of repairs has been provided.

If you don't provide the required report before your renewal date, your cover will end when your policy expires. Contact us as early as possible if you're experiencing difficulty, we may be able to discuss your options depending on your circumstances.

Club Marine does not cover the cost of slipping or the appointment of surveyor or mechanic. To help reduce additional expenses, we recommend arranging the survey at the same time as your regular maintenance or servicing.

If the report can't be completed before your policy expires, contact us before your renewal date. We may be able to consider an extension, depending on your circumstances and the information available to us.

If you're having trouble arranging a survey or obtaining the report, please contact us as soon as possible. We'll discuss your circumstances and review the available options.

For assistance with locating a marine surveyor, please use our Service Provider Locator.

We acknowledge valuations provided by people who are in the business of buying and selling boats on a daily basis. Not all people completing reports are in a position to provide an accurate valuation and we recommend speaking to a boat dealer or boat broker to obtain an indication of your boat's value.

Any valuation should reflect the value of the boat if sold as at the date of the valuation within the market and include all elements of the boat including Hull, Motor, Trailer, Sails, Rigging, Equipment, Accessories and any components.

The Condition Report: Trailerable Boats must be completed by a qualified marine mechanic or boating service centre. You can find an approved provider using our Service Provider Locator, or use your own provider as long as they hold the appropriate qualifications and insurance.

Trailerable boats such as runabouts, jet skis and trailered trailer sailers generally require a Condition Report: Trailerable Boats, not a full Survey Report.

A  Condition Report: Trailerable Boats can be completed by your regular marine mechanic or boating service centre.

Yes, a Condition Report: Trailerable Boats can often be completed alongside your annual service or maintenance, which may help reduce additional time and cost.

The mechanic will need to be able to inspect the boat and trailer thoroughly. We recommend speaking with your mechanic about their requirements to ensure a complete inspection can be carried out.

Yes, 2 colour photos of your boat are required alongside the  Condition Report: Trailerable Boats so we can assess its current condition:

• Side shot showing the full boat from bow to stern (front to back)
• Stern (back) shot of the boat

When taking your photos please ensure the following:

• The boat must be visible in its entirety
• If the boat has covers over it we ask that you remove them before taking the photos
• Photos must be taken in daylight with clear visibility
• Ensure the boat name and registration number are visible where possible
• Avoid taking photos with heavy shadows or glare that may obscure the condition of the hull or fittings
• Make sure the photos are in focus and of reasonable quality

A Condition Report: Trailerable Boats is generally less expensive than a full marine survey, as it can often be completed by your regular mechanic. We recommend contacting your mechanic or boating service centre for a quote.

A Marine Craft Risk Evaluation and a Survey Report both assess the condition and seaworthiness of your boat while it is out of the water.

A Survey Report is a detailed independent assessment of your boat's condition. A Marine Craft Risk Evaluation is a Club Marine form used to assess the condition and seaworthiness of your boat for insurance purposes.

Either a Marine Craft Risk Evaluation or a Survey Report will meet our requirements, provided it is completed out of water by a qualified marine surveyor or shipwright and covers the full inspection of your boat's underwater area.

Yes, you can use any qualified marine surveyor or shipwright to complete the report. If you need assistance to find a surveyor you can use our Service Provider Locator.

Yes, marine surveyors need to be accredited, they should hold appropriate professional qualifications and carry Professional Indemnity and Public Liability insurance. If you need assistance to find a surveyor you can use our Service Provider Locator.

Yes, for a Marine Craft Risk Evaluation or Survey Report the inspection will need to be done with the boat out of the water so all sections of the boat can be assessed.

The surveyor must be able to access and inspect the boat's entire underwater area. If any part of the hull cannot be accessed during the inspection, we may not be able to accept the report.

If you require a Survey Report or Marine Craft Risk Evaluation your vessel will need to be slipped out of the water for this to be conducted. This may require you to coordinate with the slipway as well as the surveyor to ensure there is a time that works for both. 

We do not require that your surveyor completes a sea trial as part of our reporting process. However we do recommend that you discuss your boat’s operational performance with your chosen surveyor to determine if a sea trial may support inspection and maintenance concerns.

A survey can take between 1-3 days to complete depending on the size of your boat. 

For a more accurate timeframe, you should speak directly with your service provider.  

The cost of a survey depends on the size and type of your boat.

A surveyor can typically cost between $25 to $40 AUD per foot or $600 to $1,500+ AUD total, depending on your vessel size and type.

Yes, associated fees will need to be covered by you. We'll contact you before your renewal to let you know when a report is required, giving you time to plan the inspection alongside your regular maintenance schedule.

In some cases, yes. If your yacht has standing rigging older than 10 years, an Annual Rigging Systems Maintenance Checklist by a qualified marine rigger may be required.

We acknowledge valuations provided by people who are in the business of buying and selling boats on a daily basis. Not all people completing reports are in a position to provide an accurate valuation and we recommend speaking to a boat dealer or boat broker to obtain an indication of your boat's value.

Any valuation should reflect the value of the boat if sold as at the date of the valuation within the market and include all elements of the boat including Hull, Motor, Trailer, Sails, Rigging, Equipment, Accessories and any components.