BOAT INSURANCE

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What is Boat Insurance?

Boat insurance is a specialized policy that offers financial protection against risks associated with owning and operating a boat. That covers a range of scenarios, including damage from accidents, and theft.

What does Boat Insurance Cover?

Property Insurance

  • Protect financial loss against various scenarios, including loss, fire, damage to your boat.

Third Party Insurance

  • Provide coverage for third-party personal injury and property damage resulting from using the boat.

Personal Accident Insurance

  • Protect businesses or individuals in the case of death or serious injury through personal accident.

Other Insurance

Personal Accident Insurance

  • Protect businesses or individuals in the case of death or serious injury through personal accident.

Cyber Insurance

  • Ensure the security of your business against cyber threats and the consequential financial repercussions is of utmost importance, particularly as Australia remains a significant focus for global cyber criminal activities.

Business Interuption Insurance

  • Cover lost income and operational expenses during periods when vehicles are of service due to accidents, breakdowns or other covered events.
  • Ensure financial stability by compensating for lost income during disruptions due to property damage, natural disasters, or other unforeseen events.

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Why It Is Important:

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Financial Security

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Peace of Mind

Long-Term Success

Legal Compliance

Frequently Asked Questions

Any operator named on your policy is protected by your boat insurance coverage.

If you periodically permit operators who aren’t on your insurance to use your vessel, your policy could provide some protection for them, like:

  • Extended household
  • Staff from a marina or maintenance

Sometimes you permit other careless operators to use your boat

To find out more about who is covered by your boat insurance policy and who needs to be added, speak with your insurance representative.

It is a good idea to speak with an insurance professional before you buy a boat policy. They can assist you in determining your insurance needs and go over your alternatives for coverage. Consider the following and talk about it with your agent:

  • If your vessel is financed, what basic coverages are mandated by your lender or your state?
  • In the case of a loss, will you have the money to cover your deductible and any additional costs above the limits of your policy?
  • In the case of a loss, how much would it cost to replace or repair your vessel, its fittings, and its electrical equipment?
  • Do you take folks out on your boat on a regular basis?
  • Does your yacht have any unique characteristics that could require further protection?

Your “navigation territory,” or the waterways in which you use your boat, and the state in which you dock and keep it are two of the many variables that influence the price of your boat insurance. Your insurance rate can go up if you dock or store your boat in a location that is more likely to experience catastrophic weather occurrences. In addition, you can have a windstorm deductible. Your premium may change if you are required to carry particular coverages and restrictions by a state or marina. It matters where you use your boat as well. For example, the rate for boats used inland is usually less than the charge for boats used on coastal waterways.

Just contact us at 1300 815 344 or submit a quick quote here.

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