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SAILING BOAT INSURANCE

YOUR OBVIOUS CHOICE FOR SAILING BOAT 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.
Club Marine Insurance

WHAT'S COVERED IN OUR BOAT INSURANCE

Yacht

  • 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 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.

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

  • 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 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.

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

  • 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 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.

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

Have questions? You might find the answers here.

GET YOUR BOAT 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.

BOATING TIPS AND ADVICE

FEATURED VIDEO

How to use a marine radio

Discover the different types of marine radios and how and when to use them.
View all videos

FEATURED ARTICLE

How to relieve seasickness

Some say the best cure for sea sickness is to lie under a tree. We look at ways to 'ease the quease' when you're on the high seas.
View all articles

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. 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 this insurance, consider the Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this 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 (Club Marine) issues this 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 is a related body corporate of Allianz. Copyright © 2024 Allianz Australia Limited