RACV Boat Insurance

The boat insurance to suit your needs with the service you expect from RACV

More for you

  • Cover from stem to stern

    Includes the hull, motors, masts, spars, rigging and sails, equipment and accessories, boat tender and a trailer.

  • Range of discounts

    The longer you are with RACV, the more you can save. No Claim Bonus, RACV’s Multi-Policy Discount and Years of Membership Benefits.

  • Easy 24/7 claims service

    With RACV there are no forms to fill out, we'll work it out for you over the phone.

  • Choice of repairer

    We're as passionate as you are about your boat, that's why we let you choose from one of RACV's partnered repairers or your own repairer.

  • From cruisers to kayaks

    Covers cruisers, sailboats (single hull and catamaran), runabouts, cubby cabins, ski boats, dinghies, houseboats, canoes, kayaks and more.

  • More RACV member benefits

    Purchasing Marine Insurance entitles you to the RACV member benefits program. You will save on motoring, home, leisure and entertainment. 

A great list of features, so you can get the right insurance for your boat

  • Agreed value as standard, including any modifications and accessories

    We know valuing your boat is hard. That's why together we agree on one simple value, so that you know exactly where you and your boat stand if there's any loss or damage incurred from an insured incident. 

  • Speed Boat

  • Range of incidents covered, including the clean up

    You are covered for accidental damage, collision or crash, theft or attempted theft, vandalism or a malicious act, fire, flood, storm, explosion and more. You're even covered up to $250,000 to remove, contain or clean-up debris or liquids released from your boat.

  • Up to $5000 for emergency expenses and rescue services

    Towing costs, emergency repairs, dealing with a submerged motor, and the costs of sinking your boat if a lawful authority tells you to do so. As well as search and rescue for anyone using your boat.

  • Cover water skiing, sailboat racing, and floatation devices

    Optional liability cover for water skiing or someone riding on a floatation device being towed by your boat. You also have the option to extend your cover to include racing your sailboat in certain events.

  • Boat Trailer

  • Optional contents cover

    Nominate cover up to $10,000 for contents in a lockable cabin or compartment on your boat. Includes portable GPS, diving, fishing and waterskiing equipment stored there.

  • Boat Trailer

  • Optional lay-up cover

    If you only use your boat for part of the year, why pay the full premium? Nominate your lay-up period, from one to six months, and you could reduce your premium by up to 30%.

  • Up to $10 million in liability cover

    For you or someone with permission to use your boat where your boat causes loss or damage to someone else’s property, or death or personal injury to someone else.

  • Moored boat? No worries.

    Our comprehensive policy will cover your moored boat and make the process easy for you. 

  • Up to $1000 towards the costs of a hull inspection

    If you need to confirm if a covered incident has caused loss or damage to your hull.

The more insurance policies you have with us, the more you could save. When you take out two or more RACV Insurance policies you’ll receive 10% off each.

*On existing policies discount takes effect at next renewal. Excludes Travel, Business and Farm Insurance products.

*RACV Boat Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.