Insurance

Accidental damage, fire, storm or flood, vandalism or a malicious act

We will decide to either repair, replace or pay the agreed value of your boat - and its contents if you have chosen the optional contents cover.

Liability Cover

We will pay up to $10 million (inclusive of GST) for all amounts which you, or any person allowed by you to control your boat, become legally liable to pay as compensation for claims arising from an incident that occurs. We'll also cover legal costs.

Emergency towing

If your boat requires emergency towing as a result of an incident we cover, and we have agreed to pay your claim, we will pay up to a maximum of $250, for the cost of towing your boat to the nearest place where necessary repairs can be made.

Salvage costs

If we wish to salvage your boat, or the law requires us to salvage it, as a result of an incident we cover, and we have agreed to pay your claim we will pay the reasonable costs of salvaging your boat.

Submerged motors

If any of the motors in your boat become submerged as a result of an incident we cover, and we have agreed to pay your claim, we will pay the reasonable costs incurred by you in taking immediate action to:

• dry all electrical equipment in the motor, and
• clean and oil the motor

Theft or
attempted theft

If your boat or any part of it suffers loss or damage caused by theft or attempted theft, we will: 

• Repair or replace the stolen or damaged item, or
• Pay you the reasonable cost of repairing or replacing the stolen or damaged item, or
• Pay you the agreed value for the stolen or damaged item

Contents cover

If your boat has a lockable cabin, you can increase your cover to include contents up to a total of $5,000 by paying an additional premium.

Lay-up cover

You can reduce your premium by choosing to lay up your boat for a period during the year, provided you keep your boat:

• On a trailer while it is not being used, and
• At the address shown on your current Certificate of Insurance 

Aussie Assist -
free 24-hour emergency
assistance

You are automatically entitled to Aussie Assist, which provides emergency assistance. Aussie Assist provides free, personal and travel assistance as part of your vehicle insurance when you and your family are more than 100km away from your home.

Claims and emergency assistance

We provide immediate assistance 24 hours a day. You can call RACV Claims & Assistance Centre on 13 19 03.

Easy payment

You can save on your Boat Insurance policy by paying it annually. Alternatively, you can choose our Pay by the Month option. You can also pay over the phone, at any RACV Shop, by mail or online.