$70 off your first year
Switch online and save $70 in your first year.^
Save on marine batteries
Members save 10% on marine batteries.*
Local friendly staff
We are on the ground ready to help when you need us the most.
Benefits of boat insurance
Cover for your boat against accidental loss and damage anywhere in Australia and up to 200 nautical miles from the Australian coastline.
Comprehensive cover for your boat
Our boat insurance will cover your boat for theft, accidental damage, malicious damage, storm, fire and flood. Plus your boat is covered on land or in the water.
Cover for damage to other people or their property involving your boat.
We'll cover your personal belongings up to $1500 if they’re damaged, stolen or lost in a boat accident. We don’t cover money, cheques or financial transaction cards.
New boat replacement
If your boat is written off and it's less than two years old and you're the first registered owner, we'll replace it with a new boat.
Boat in transit
Your boat is covered while it’s in transit by road, rail or ship or on a trailer.
Lost or stolen keys
We’ll pay up to $2000 to replace the keys and locks to your boat when your keys have been lost or stolen.
If your boat's motor is submerged, we’ll pay for the cost to flush out, clean, dry and oil the motor, and dry the other associated electrical equipment.
Towing of your boat
When the damage means you can’t use your boat, we’ll pay up to $1000 to tow your boat by road to the nearest approved repairer or to a safe location that we choose.
Temporary cover for your new boat
When you replace your boat and your existing boat is insured with us, we’ll insure your new boat, as long as you let us know within 14 days of purchasing it. It also needs to be a boat we would ordinarily insure and you’ll need to pay the premium, of course.
Accidental death benefit
When, within 12 months of its occurrence, an incident involving the use of your boat directly results in the death of its operator, we’ll pay $15,000 to the deceased’s estate.
Upgrade your cover with our optional extras
- Racing cover for sail boatsYou can add this option to your policy to cover your sail boat for loss or damage while racing.
- Cover for water-skiersThis option will increase your liability cover to include water-skiers.
Choose the insurance that’s right for you
Become an RAC memberWhen you take out a policy with us you also become an RAC member. As a member, you get access to great benefits, like discounts on retail partners or RAC products & services
Choose your excessYou can choose the excess that best suits your needs.
Local claims teamOur local claims team are WA based, like you are. We understand your needs and are always ready to help
Boat insurance FAQs
We cover lots of different types of boats. It’s easier if we tell you what we don’t cover.
For new policies, we don’t cover boats that are:
- Usually stored in water.
- Used for business or commercial purposes.
- A houseboat or personal watercraft, e.g. jet ski.
- Valued at more than $150,000.
We provide cover for personal belongings up to $1500. This is an additional benefit at no extra cost. When you claim for loss or damage to your clothing or personal belongings in an incident covered under your policy and we accept your claim, we’ll pay up to $1500 for you to replace or repair the items. We don’t cover money, cheques or financial transaction cards.
The best way to find out how much insurance for your boat will cost is to take out a quote online. It’s quick and easy.
When the damage is such that you can’t use your boat, we’ll pay up to $1000 to tow your boat by road to the nearest approved repairer or to a safe location that we choose.
Your boat is covered while in transit by road, rail or ship or on a trailer provided:
- Your boat is designed to be towed on the trailer.
- Your trailer is registered.
- The relevant legal requirements for towing are complied with.
We won’t cover transportation of your boat on a trailer that’s not properly designed for that purpose.
RAC members save more
As a member you get access to great discounts & offers
^ $70 discount applies to your first year of insurance only. This discount is subject to minimum premiums and is only available when you switch to this policy online.
This product is issued by RAC Insurance Pty Limited. Our products are developed and distributed for appropriate target markets in accordance with our Policy. Benefits are subject to policy conditions and PED Guide. Before you make a decision, please check the PDS and TMD to see if the policy is right for you.
*Member benefit terms and conditions apply. RAC Batteries are provided by RAC Motoring Pty Ltd MRB 723