RACV Boat Insurance

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

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  • Great features and benefits

    So you get the right insurance for your boat

  • Range of discounts

    No Claim Bonus, RACV’s Multi-Policy Discount and Years of Membership Benefits

  • Easy 24/7 claims service

    With RACV there’s no claim form, it’s all done over the phone

RACV Boat Insurance provides the cover to suit your needs. It comes with a range of great features and options, so you can tailor your insurance to how you use your boat. Maybe you don’t use it all year round? We can reduce your insurance premium to reflect that too. It’s the boat insurance to suit your needs, with the service you expect from RACV.

Call 13 72 28 to get an insurance quote for your boat

  • Cover from stem to stern

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

  • From cruisers to kayaks

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

  • Broad range of incidents covered, including accidental damage

    You are covered for accidental damage, collision or crash, theft or attempted theft, vandalism or a malicious act, fire, flood, storm, explosion and more

  • Clean-up costs included, on top of the agreed value

    Up to $250,000 to remove, contain or clean-up debris or liquids released from your boat that you are legally responsible to clean up following a covered incident

  • Up to $5000 for emergency expenses to secure your boat or get you back to land safely

    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

  • 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

  • Option to extend your liability cover to include water skiing and other floatation devices

    Liability cover for water skiing or someone riding on a floatation device being towed by your boat. You must have a nominated observer watching the waterskier or rider

  • 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, such as if you’ve hit a sandbank or an underwater rock

  • Up to $5000 towards the costs of rescue services

    To search for and rescue anyone using your boat, within 200 nautical miles of the Australian mainland or Tasmania. This is on top of your agreed value

  • 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

  • Optional lay-up cover when your boat is not in use

    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'll secure a reduced premium

  • Optional sailboat racing cover

    For certain events up to 50 nautical miles from the official starting point. A racing excess applies

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. 

  • Agreed value as standard, including any modifications and accessories

    So you know exactly where you stand should you suffer loss or damage to your boat from an insured incident

  • Choice of excess

    Choose the basic excess that’s right for you. You can reduce your premium by choosing a higher excess, but remember the excess is what you pay when you make a claim

  • Includes Aussie Assist free 24-hour emergency phone service

    Help and advice for you or your family while travelling away from home in Australia. Simply call 13 19 03 at any time

  • Choose how you pay

    Pay annually and save using RACV’s range of easy-to-use payment options, or pay monthly using direct debit or credit card

RACV saves you money with our Years of Membership Benefits discounts

  • Bronze
    5-9 years

    5%

  • Silver
    10-24 years

    10%

  • Gold
    25-50 years

    15%

  • Gold 50
    51+ years

    20%

RACV Boat Insurance Product Disclosure Statements

RACV Boat Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 10 October 2016 and renewal policies with a start date on or after 14 November 2016.

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RACV Boat Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after 28 December 2015 and new business policies with a start date before 10 October 2016 and renewal policies with a start date before 14 November 2016.

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RACV Boat Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guides

RACV Boat Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 10 October 2016 and renewal policies with a start date on or after 14 November 2016.

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RACV Boat Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 17 January 2016 and renewal policies with a start date on or after 7 March 2016 and new business policies with a start date before 10 October 2016 and renewal policies with a start date before 14 November 2016.

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RACV Boat Insurance Premium, Excess and Discounts Guide for policies with a start date on or after 13 September 2015 and renewal policies with a start date on or after 2 November 2015 and new business policies with a start date before 17 January 2016 and renewal policies with a start date before 7 March 2016.

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*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.