The summer of 2019/20 saw storms and floods causing over $3 billion in damage with more than 250,000 insurance claims1.

This summer, the Bureau of Meteorology has officially declared a La Niņa event that is likely to bring an increased risk of storms, cyclones and flooding to some parts of the country.

We want to help Club Marine members understand the extreme weather predicted for this summer and how to go about taking precautions to prepare for it.

What weather will La Niņa bring?

La Niņa is a natural phase of Australia’s weather cycle that warms the waters off Australia’s north coast, increasing cloud development and rainfall. This heightens the chance of hail, storms and associated flooding through the warmer months of the year across central, eastern and northern Australia. A La Niņa event is also likely to increase the number of cyclones we experience and bring forward the start of the cyclone season in the north of the country. Fortunately, La Niņa is also likely to result in a milder bushfire season, nationally.

Being ready is essential

Living in Australia, sunny skies can quickly turn to storm clouds, no matter where you are – from regional, rural and remote Australia to our metropolitan areas. It’s important to be ready for extreme weather.

Protecting your vessel is also especially important this summer as the availability of some boat parts and accessories (as part of a claim) is low due to COVID-19 pandemic impacts.

To support you in protecting your boat and getting insurance ready for this summer, we are here to provide you with assistance.

Club Marine is here to help

We’re ready to help you face the challenges of this summer:

  • Our detailed Severe Weather Preparation Checklist will help in the preparation for any major weather event. You can download it here.
  • Club Marine members can receive Severe Weather Alerts through the Club Marine App, which is available free of charge (on both iOS and Android phones).
  • Club Marine Assist is available 24/7 to provide you with advice and assistance. It is important to note that if you are experiencing an on-water emergency or a life-threatening situation, you should call 000.


Make sure you have the right cover for your circumstances

Here are some tips to help you review your insurance and get weather-ready:

  • Ensure that your insurance is up to date and relevant to your current circumstances.
  • Review the sum for which you are insured to ensure it is correct and appropriate.
  • Check that your premiums are paid to make sure there are no interruptions to your cover.

Be ready to lodge a claim

There are a few simple things you can do before you claim to make this process easier during what can be a very stressful time:

  • While it’s easy to forget, keeping photographic evidence of your insured property and any receipts for purchases made will help with your claim.
  • Making a full inventory list isn’t necessary for your claim, but it will generally be helpful.
  • You can also prepare your boat for extreme weather using our Severe Weather Preparation Checklist .

How to lodge a claim

If your boat is damaged by cyclones, flooding or storms, we will be ready to help you. You can contact Club Marine using any of the following methods:

  • To minimise delays, you can lodge your claim online at Once you do so, a Claims consultant will contact you as soon as possible.
  • Alternatively you can call Club Marine on 1300 00 CLUB (2582).
  • You can also lodge a claim on the Club Marine App .

  • Know what you're covered for
  • Review your sum insured
  • Check that your payments are up to date

  • Take photos of your insured property
  • Make an inventry
  • Be prepared for extreme weather

  • Claim online for faster service
  • Call Club Marine on 1300 00 CLUB (2582).
  • Lodge a claim on the App


Download a printable copy of our Severe Weather Preparation Checklist.


  1. Insurance Industry data inclusive of Club Marine losses.
  2. Source:


This article has been prepared by Club Marine Limited (ABN 12 007 588 347). AFSL 236916. Club Marine acts for the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850). AFSL 234708 in relation to this insurance.

  1. Please note the information in this article is general in nature and does not take into account your objectives, financial situation or needs. You should consider obtaining independent advice before making any decisions based on this article.
  2. All tips are general in nature and do not take into account your objectives, financial situation or needs.
  3. Eligibility criteria, Policy terms, conditions, limits, exclusions and underwriting criteria apply. Please refer to your PDS for Terms and Conditions. Before making a decision, please consider the Club Marine Product Disclosure Statement available by calling 1300 00 CLUB (2582) or online by visiting
  4. Information contained is accurate as at 17/12/2020 and may be subject to change. In some cases information has been provided to us by third parties and while that information is believed to be accurate and reliable, its accuracy is not guaranteed in any way.

Any opinions expressed constitute our views at the time of issue and are subject to change. Neither Club Marine, nor its employees or directors give any warranty of accuracy or accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in this article.