Hit the water with RACQ Comprehensive Boat Insurance

There’s nothing quite like the feeling of pushing off into the water and leaving the worries of the world behind you. Whether you boat because you love fishing, you’ve got an adventurous streak, or you just enjoy the serenity of the open water, know you’re covered with RACQ Comprehensive Boat Insurance. Call us for a quote today, so that you can keep doing the things you enjoy.

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RACQ members with Roadside Assistance get up to 17.5% discount*

What does my RACQ Boat Insurance cover?

For full details of what’s included in RACQ Comprehensive Boat Insurance, see our Product Disclosure Statement (PDS) , any applicable Supplementary PDS and Target Market Determinations 

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    Loss or damage to your boat following a collision, weather events (flood, hail, storms, cyclones), fire, malicious act, theft, or attempted theft 
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    Up to $10 million for your legal liability which results from the use of your boat 
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    We will replace your boat if it’s less than two years old with a new one in certain circumstances, if we decide it is a total loss 
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    Up to $5,000 for loss or damage to fishing equipment that belongs to you and is in your boat when an incident occurs 
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    Cover for personal property

    We pay up to $5,000 for loss or damage to personal property that belongs to you and is in your boat when an incident occurs. This includes items such as clothing and portable electronic equipment (except for mobile phones and their accessories). 

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    Safety equipment
    We pay up to the replacement cost of all your boat's mandatory safety equipment if it is lost or damaged during an incident.
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    Water sports equipment
    We pay up to $5,000 for loss or damage to water sports equipment that belongs to you and is in your boat when an incident occurs.
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    Inspecting your hull
    We pay up to $1,000 for the cost of a hull inspection after a stranding or if run aground.

RACQ Comprehensive Boat Insurance optional benefits 

For full details of what’s included in RACQ Comprehensive Boat Insurance, see our Product Disclosure Statement (PDS) , any applicable Supplementary PDS and Target Market Determinations 

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    Yacht and sailboat racing

    Get cover for the sails, mast, spars, and rigging on your yacht or sailing boat when you're racing it in certain situations.

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    Legal liability extension for watersport towing activities

    Cover your legal liability when someone is being towed behind your boat.

Ways to save on your RACQ Comprehensive Boat Insurance

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    Roadside Assistance loyalty discount
    If you’re already signed up for Roadside Assistance, you can get up to 17.5%* off your boat insurance.
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    Multi policy discount
    You can save up to 5% on eligible policies when you have three or more qualifying RACQ insurance policies.

Your RACQ membership is brimming with value~~

Why choose RACQ for your boat insurance?

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    RACQ's local claims hotline

    Help is only a phone call away.

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    21-day cooling off period

    Change your mind? That’s okay.

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    Pay in monthly instalments

    Ask us about our flexible premium payments. 

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    Take advantage of optional benefits

    Upgrade your cover to suit your lifestyle.

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    Discover RACQ discounts

    We’d love to help you save on your premiums.

Boat insurance FAQs

Help centre

Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

*Savings based on membership level.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

^Marine Batteries: Conditions, limitations and exclusions apply. See racq.com/batteries for details.