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SAIL BOAT AND YACHT INSURANCE

TRUSTED
SAIL BOAT INSURANCE

YOUR OBVIOUS CHOICE FOR SAIL BOAT AND YACHT INSURANCE

Racing is covered

Enjoy automatic cover for racing up to 150 nautical miles in length, including cover while using spinnakers and extras.

Round-the-clock assistance

Included with your policy is 24/7 roadside assistance for your vehicle and trailer, with Club Marine Assist.

Choice of repairer

Choose your repairer or service provider, in the instance of an approved claim.

AWARD-WINNING INSURANCE

Recognised as Australia’s Top Rated Boat Insurance for 2026 by Product Review, for the second consecutive year. This recognition reflects Club Marine’s continued commitment to provide a higher standard of cover, shaped by marine expertise and real boaties needs.

WHAT'S COVERED IN OUR BOAT INSURANCE

Yacht
What's covered

YACHT INSURANCE

  • Nil pen excess
    If your yacht is accidentally damaged or stolen while at your nominated berth, pen, jetty or pontoon the excess may be waived.
  • Yacht racing
    Provides cover for your yacht for racing up to 150 nautical miles in race length, including while using spinnakers and extras. Cover for longer races is also available subject to acceptance criteria.
  • Legal liability cover
    Provides legal liability cover for injury and property damage arising from the use of your yacht by you or a person operating it with your permission.
  • Geographic limits
    Provides cover for your yacht Australia-wide, including up to 250 nautical miles offshore.
  • Accidental loss or damage, theft or malicious damage
    Provides cover for your yacht, motor(s), trailer, equipment, gear and accessories against theft or malicious damage, and accidental damage or loss. Plus, if your yacht is involved in a collision and you’re not at fault, the excess may be waived.
  • Race or tournament entry fees
    Provides cover up to $2,000 (incl GST) of non-refundable racing or fishing tournament entry fees paid by you or your crew, when a covered incident causes you to withdraw.
  • Automatic cover for your tender
    Provides automatic cover for your tender (if your yacht has one). Including water skiers liability for your tender providing cover for any person engaged in water skiing, wakeboarding or aquaplaning activities provided they’re using recognised and commercially manufactured equipment and being towed by your yacht tender with your permission.
  • Fishing gear, water ski and dive equipment, tools and accessories
    Provides cover for accidental loss or damage to fishing gear (excludes tackles, lures and braids), water ski and dive equipment, tools and accessories up to $3,000 (incl GST) per item, and up to $30,000 (incl GST) total (not in addition to Section 1 limit).
  • Personal effects
    Provides cover for accidental loss or damage to clothing, shoes, waterproof gear, wetsuits, prescription glasses, manchester, coolers, insulated flasks and hygiene items up to $3,000 (incl GST) per item, and up to $30,000 (incl GST) total (not in addition to Section 1 limit).
  • Club Care Benefits
    Provides up to $10,000 (incl GST) assistance following an emergency or unforeseen incident which gives rise to a claim, including:
    • emergency fuel delivery
    • returning your yacht to your home or storage location following repairs
    • reasonable costs of temporary accommodation and transportation home
  • Salvage charges
    Provides cover to recover your yacht or move it to safety if the yacht is damaged by a covered incident. Limits apply.
  • No Claim Bonus
    You could get up to 25% off your premium with the No Claim Bonus, depending on your claims history.
  • Club Marine Assist
    Provides 24/7 roadside assistance for your vehicle and trailer when you’re towing your yacht, or driving to and from your mooring or yacht storage. Plus, you can call us 24/7 to ask for directions, tide times, weather reports, marine and service centre locations and more.
  • Injury and accidental death
    Provides cover for the named insured person for accidental death or for certain categories of significant permanent personal injury up to $75,000 (incl GST) plus $10,000 (incl GST) funeral expenses.
  • Temporary cover
    Provides temporary cover for a replacement yacht for up to 30 days from the purchase date. The replacement yacht will be covered up to its purchase price or the original yacht's sum insured, whichever is lesser.
  • Temporary extension
    If your policy expires while you are in your yacht at sea, we will provide a temporary extension until 24 hours after your yacht arrives at its next port.
  • 14-day cooling off period
    You can cancel your policy within 14 days from the date of issue (or start date of a renewed policy) and we’ll refund your premium in full, provided you haven’t made a claim or need to make one.

YACHT INSURANCE

Your policy does not cover any claim caused by, arising from, or any way connected with:

  • Commercial use
    Any activity specifically undertaken for the purposes of earning an income, or any activity registered as a business and which you are obliged by law to register for GST purposes. For example, hire, rideshare or accommodation, unless previously agreed to in writing.

    Find out more information about Club Marine's Commercial Boat Insurance policy here.
  • Condition or wear and tear
    Wear and tear, the unseaworthiness, and lack of repair or maintenance of the boat.
  • Delamination, deterioration, corrosion and electrolysis
    Delamination, deterioration, corrosion, electrolysis, osmosis and blistering, unless there is evidence of accidental physical impact with a solid object which has caused a deformation in part of the hull from which the condition has propagated.
  • Persons under the influence
    Where you were aware that the boat was under the control of a person under the influence of drugs or alcohol.
  • Reasonable care
    Your recklessness, deliberate actions, misconduct or lack of reasonable care in the safeguard or protection of your boat.

Trailer Sailer
What's covered

TRAILER SAILER INSURANCE

  • Accidental loss or damage, theft or malicious damage
    Provides cover for your boat, motor(s), trailer, equipment, gear and accessories against theft or malicious damage, and accidental damage or loss. Plus, if your boat is involved in a collision and you’re not at fault, the excess may be waived.
  • Club Care Benefits
    Provides up to $10,000 (incl GST) assistance following an emergency or unforeseen incident which gives rise to a claim, including:
    • emergency fuel delivery
    • returning your boat to your home or storage location following repairs
    • reasonable costs of temporary accommodation and transportation home
  • Sailing boat racing
    Provides cover for racing up to 150 nautical miles in race length, including while using spinnakers and extras. Cover for longer races is also available subject to acceptance criteria.
  • Flexible lay up periods
    Provides flexibility to add lay up cover to your policy for times your trailerable boat is not in use. Your boat will still be covered for accidental loss or damage, theft or malicious damage during any lay up period, when stored within gates, walls or fences of your home.
  • Race or tournament entry fees
    Provides cover up to $2,000 (incl GST) of non-refundable racing or fishing tournament entry fees paid by you or your crew, when a covered incident causes you to withdraw.
  • Club Marine Assist
    Provides 24/7 roadside assistance for your vehicle and trailer when you’re towing your boat, or driving to and from your mooring or boat storage. Plus, you can call us 24/7 to ask for directions, tide times, weather reports, marine and service centre locations and more.
  • Geographic limits
    Provides cover for your boat while it’s stored on land or in transit in Australia, and while navigating inland or up to 250 nautical miles from the coast.
  • Fishing gear, water ski and dive equipment, tools and accessories
    Provides cover for accidental loss or damage to fishing gear (excludes tackles, lures and braids), water ski and dive equipment, tools and accessories up to $3,000 (incl GST) per item, and up to $30,000 (incl GST) total (not in addition to Section 1 limit).
  • Personal effects
    Provides cover for accidental loss or damage to clothing, shoes, waterproof gear, wetsuits, prescription glasses, manchester, coolers, insulated flasks and hygiene items up to $3,000 (incl GST) per item, and up to $30,000 (incl GST) total (not in addition to Section 1 limit).
  • No Claim Bonus
    You could get up to 25% off your premium with the No Claim Bonus, depending on your claims history. 
  • Salvage charges
    Provides cover to recover your boat or move it to safety if the boat is damaged by a covered incident. Limits apply.
  • Legal liability cover
    Provides legal liability cover for injury and property damage arising from the use of your boat by you or a person operating it with your permission.
  • Injury and accidental death
    Provides cover for the named insured person for accidental death or for certain categories of significant permanent personal injury up to $75,000 (incl GST) plus $10,000 (incl GST) funeral expenses.
  • Temporary cover
    Provides temporary cover for a replacement boat for up to 30 days from the purchase date. The replacement boat will be covered up to its purchase price or the original boat's sum insured, whichever is lesser.
  • 14-day cooling off period
    You can cancel your policy within 14 days from the date of issue (or start date of a renewed policy) and we’ll refund your premium in full, provided you haven’t made a claim or need to make one.

TRAILER SAILER INSURANCE

Your policy does not cover any claim caused by, arising from, or any way connected with:

  • Commercial use
    Any activity specifically undertaken for the purposes of earning an income, or any activity registered as a business and which you are obliged by law to register for GST purposes. For example, hire, rideshare or accommodation, unless previously agreed to in writing.

    Find out more information about Club Marine's Commercial Boat Insurance policy here.
  • Condition or wear and tear
    Wear and tear, the unseaworthiness, and lack of repair or maintenance of the boat.
  • Delamination, deterioration, corrosion and electrolysis
    Delamination, deterioration, corrosion, electrolysis, osmosis and blistering, unless there is evidence of accidental physical impact with a solid object which has caused a deformation in part of the hull from which the condition has propagated.
  • Persons under the influence
    Where you were aware that the boat was under the control of a person under the influence of drugs or alcohol.
  • Reasonable care
    Your recklessness, deliberate actions, misconduct or lack of reasonable care in the safeguard or protection of your boat.

Off Beach Dinghy
What's covered

OFF BEACH DINGHY INSURANCE

  • Legal liability cover
    Provides legal liability cover for injury and property damage arising from the use of your boat by you or a person operating it with your permission.
  • Sailing boat racing
    Provides cover for racing up to 150 nautical miles in race length, including while using spinnakers and extras.
  • Flexible lay up periods
    Provides flexibility to add lay up cover to your policy for times your trailerable boat is not in use. Your boat will still be covered for accidental loss or damage, theft or malicious damage during any lay up period, when stored within gates, walls or fences of your home.
  • Accidental loss or damage, theft or malicious damage
    Provides cover for your boat, motor(s), trailer, equipment, gear and accessories against theft or malicious damage, and accidental damage or loss. Plus, if your boat is involved in a collision and you’re not at fault, the excess may be waived.
  • Race or tournament entry fees
    Provides cover up to $2,000 (incl GST) of non-refundable racing or fishing tournament entry fees paid by you or your crew, when a covered incident causes you to withdraw.
  • Club Marine Assist
    Provides 24/7 roadside assistance for your vehicle and trailer when you’re towing your boat, or driving to and from your mooring or boat storage. Plus, you can call us 24/7 to ask for directions, tide times, weather reports, marine and service centre locations and more.
  • Personal effects
    Provides cover for accidental loss or damage to clothing, shoes, waterproof gear, wetsuits, prescription glasses, manchester, coolers, insulated flasks and hygiene items up to $3,000 (incl GST) per item, and up to $30,000 (incl GST) total (not in addition to Section 1 limit).
  • No Claim Bonus
    You could get up to 25% off your premium with the No Claim Bonus, depending on your claims history. 
  • Injury and accidental death
    Provides cover for the named insured person for accidental death or for certain categories of significant permanent personal injury up to $75,000 (incl GST) plus $10,000 (incl GST) funeral expenses.
  • Temporary cover
    Provides temporary cover for a replacement boat for up to 30 days from the purchase date. The replacement boat will be covered up to its purchase price or the original boat's sum insured, whichever is lesser.
  • 14-day cooling off period
    You can cancel your policy within 14 days from the date of issue (or start date of a renewed policy) and we’ll refund your premium in full, provided you haven’t made a claim or need to make one.

OFF BEACH DINGHY INSURANCE

Your policy does not cover any claim caused by, arising from, or any way connected with:

  • Commercial use
    Any activity specifically undertaken for the purposes of earning an income, or any activity registered as a business and which you are obliged by law to register for GST purposes. For example, hire, rideshare or accommodation, unless previously agreed to in writing.

    Find out more information about Club Marine's Commercial Boat Insurance policy here.
  • Condition or wear and tear
    Wear and tear, the unseaworthiness, and lack of repair or maintenance of the boat.
  • Delamination, deterioration, corrosion and electrolysis
    Delamination, deterioration, corrosion, electrolysis, osmosis and blistering, unless there is evidence of accidental physical impact with a solid object which has caused a deformation in part of the hull from which the condition has propagated.
  • Persons under the influence
    Where you were aware that the boat was under the control of a person under the influence of drugs or alcohol.
  • Reasonable care
    Your recklessness, deliberate actions, misconduct or lack of reasonable care in the safeguard or protection of your boat.

GET THE MOST OUT OF YOUR CLUB MARINE BOAT INSURANCE

At Club Marine, we want you to spend more time enjoying your boat and less time worrying about your insurance. That’s why, we’ve created this short video to help you better understand what is and isn’t covered by your policy.

ENJOY EXCLUSIVE MEMBER BENEFITS

When you become a Club Marine member, you are more than a policy holder, you become a member of the club and enjoy access to a range of exclusive benefits.

ROUND-THE-CLOCK ASSISTANCE


We’re committed to helping you take the worry and risk out of boating, that’s why we include 24/7 roadside assistance for your vehicle and trailer with your policy, plus a personal assistance service, so you can maximise your boating lifestyle.
View Club Marine Assist

RETAIL PARTNER
DISCOUNTS


Members enjoy exclusive discounts and special offers from a select range of retail partners. Whether you’re into sailing, fishing, cruising, jet skiing or wakeboarding, there’s something for everyone.
View Member Rewards

MAGAZINE SUBSCRIPTION SAVINGS


Australia’s leading marine lifestyle magazine, filled with features on boating, jet skiing, fishing, destinations, how-to guides, safety tips and so much more. Members can enjoy Club Marine Magazine for as little as $3.30 a month.
Subscribe now

FREQUENTLY ASKED QUESTIONS

Getting a quote

You can get a sail boat insurance quote online by:

  1. Clicking ‘ Get your quote’
  2. Select from Pleasure Craft Insurance or Third Party Insurance.
  3. Enter your boat details and personal information.
  4. You can add lay up and adjust your excess to suit your needs which can lower your premium.
  5. Review your quote.
  6. You can purchase boat insurance online now, or email the quote to yourself and complete it later.
  7. Once you’ve purchased insurance, you can download your Certificate of Currency or have it emailed to you.

The cost of sail boat insurance depends on factors like the type and value of your sail boat, how and where you use it and your claims history. To find out how much it will cost for your specific boat, you can get your quote online here.

Insuring your boat

This depends on national and state laws and regulations, where you use your sail boat, where it’s stored, whether it’s under finance and other considerations.

Club Marine boat insurance can provide cover for when you’re using your boat, transporting and storing / mooring it. We cover your boat, motor(s), trailer, equipment, gear and accessories all in one policy to help you take the worry out of boating.

You can get a boat insurance quote online here.

Terms, conditions, limits and exclusions apply.

Club Marine may request reasonable evidence of the condition or value of your sail boat when you apply for or renew insurance. This may include condition reports, survey reports, rigging reports, photographs, and valuations.

You can find Club Marine survey and report documents here. To find a service provider near you, use our Service Provider Locator.

No two sail boat insurance policies are the same and coverage can vary significantly between providers and even between policy types. It’s essential to review your policy to ensure it meets your needs and provides adequate protection.

Some policies may include exclusions or limitations that could impact your coverage. By carefully reviewing your policy and discussing your needs with your insurance provider, you can avoid surprises in the event of a claim and ensure you’re getting the coverage you need at a price that fits your budget.

Market value is the current value of the sail boat in the market just before the time of loss or damage, taking factors into account including make, model, condition and location.

Agreed value is the amount agreed in writing you and your insurance provider agree to insure your sail boat for.

Club Marine boat insurance cover features

Nil pen excess is where the excess may be waived if your sail boat is damaged or stolen while at your nominated berth, pen, jetty or pontoon.

Club Marine boat insurance generally provides cover for any person that is using your sail boat with your permission. Specific exclusions apply.

Club Marine boat insurance provides cover for your sail boat Australia-wide, including up to 250 nautical miles offshore. Terms, conditions, limits and exclusions apply.

Yes, Club Marine boat insurance provides cover for your yacht for racing up to 150 nautical miles in race length, including while using spinnakers and extras. Cover for longer races is also available subject to acceptance criteria. Terms, conditions, limits and exclusions apply.

Yes, Club Marine boat insurance provides cover in a marina, berth or moored. Limits and exclusions apply.

Yes, Club Marine boat insurance provides covers for accidental loss or damage to sails, rigging and the mast. Specific exclusions apply.

The Hull Identification Number (HIN) may be displayed on a metal plate, or moulded or engraved directly onto the hull. Common locations on the boat can include:

  • the starboard (right) side aft of the transom 
  • below the gunnel 
  • just above the swim platform

For more information, view our Product Disclosure Statement.

GET YOUR SAILING BOAT AND YACHT INSURANCE SORTED TODAY

Receive your quote in less than 2 minutes. Once payment has been made, your proof of insurance will be emailed to you straight away.
 
Simply call us on 1300 00 CLUB (2582) if you need help or have any questions.

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WE'RE HERE TO HELP

Give us a call on 1300 00 CLUB (2582)

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*Terms and conditions apply

Any discounts offered are applied to our standard rates. Promotional or other discounts may apply from time to time. Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. Where discounts are applied, your premium is subject to rounding. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about Club Marine boat insurance, consider the Product Disclosure Statement (PDS)/Policy Document and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Document, Supplementary PDS and Target Market Determination (TMD) for Club Marine boat insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Club Marine Limited (ABN 12 007 588 347), AFSL 236916 issues Club Marine boat insurance and handles and settles claims as agent for the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850) AFSL 234708 (Allianz). Club Marine Limited is a related body corporate of Allianz. Copyright © 2026 Allianz Australia Limited.