Sea Trial

Tips for Insuring Your Boat

Insuring your boat or marine craft correctly means if things go wrong you won’t get left high and dry. These are some of the things you should consider, check, or look out for when you’re shopping for boat insurance.

  1. Have a clear understanding of what you are (and are not) covered for.
  2. Make sure your policy covers you for the navigational range from shore you intend to travel.
  3. Ensure your policy covers you for accidental blockage of the cooling system.
  4. If you don’t intend to use your vessel during certain months of the year you may reduce your premium by including a “laid up” option.
  5. If you own a Jet Ski, does your insurance cover for towing specifically designed tubes, wake-boarding or water-skiing?
  6. Modifications? Certain insurers will extend cover for this, some will not – make sure you’re covered (extra conditions may apply).
  7. Don’t overpower your vessel. Your boat’s builders’ plate will tell you the maximum horse-power your vessel is designed to take. Increasing this can affect your insurance.
  8. Do you have a fishing gear or other items stored on your boat? Make sure it is secured away and out of sight.

Our experienced consultant will make sure the cover you require meets your needs.  Phone Angela on 1300 880 883 or enquire online – we are here to help you.