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Frequently Asked Questions

The cost of Club Marine boat insurance ranges from minimum premiums of around $300 for a low value aluminium runabout, to tens of thousands of dollars for a high value, top of the range cruiser or yacht.

The premium also varies based on the level of third party liability cover you include and options you take – for example participation in competitive racing or extended cruising increases the price. We do not provide any advice about the various options. You must be satisfied that the level of cover you are insured for is satisfactory to your needs.

There are many factors we take into account based on the information you provide when getting a quote, such as:

  • Value of the boat or pleasure craft
  • The type of boat or pleasure craft. Certain boats are more prone to risks – for example bow riders are more at risk of sinking due to the open bow
  • Construction materials - some materials and construction methods are more robust than others
  • The type of engine, fuel type, power and maximum speed. For example inboard petrol engines have more risk of fire compared to outboards, due to potential fuel vapour ignition in the engine compartment
  • Where and how it’s stored. Boats that stay in the water are generally more expensive to insure as there is more risk of damage, theft etc., whereas boats locked up in your garage when not in use, carry less risk of damage and theft
  • Options taken such as water skiing or yacht racing, lay-up cover, excess levels and geographical/navigational limits
  • Other factors including but not limited to your risk profile and insurance history

To find out the cost to insure your boat get a quote now

Club Marine boat insurance covers accidental loss or damage to your boat, liability to other people arising from the use of the boat, and certain types of significant injury to the person named on the policy. Limits and exclusions apply. To find out more, read our Policy Wording.

This depends on laws and regulations, where you use your boat, where it’s stored, whether it’s under finance and other considerations. We do not give any advice about laws and /or regulations which may be applicable to the use of your boat. Get a quote now

This depends on your home and contents insurance policy, though it may only provide cover when your boat is stored at the home location. Review your policy wordings to confirm.

Get a quote now

When you lodge a claim, we ask for the following details to complete the lodgement:

  • Policy Holder Details, including policy number, name and contact details
  • What happened in the incident, including the location and date and time
  • Details about the loss or damage being claimed
  • Who was in control of the vessel at the time, and their date of birth
  • Where is the vessel now
  • Information about any other people, boats, vehicles or property involved
  • Witness or Police report details
  • Quotes and Photos

After you lodge a claim we will:

  • Acknowledge receipt within 5 business days, however you should anticipate an introduction phone call or email from your dedicated claims manager within 48 hours
  • Request repair quotes and photos of all relevant damages for us to assess. At times we may request further information from you such as service records or proof of ownership. We may even appoint an assessor or other independent professional to assist. If we do this we’ll notify you.
  • Proactively update you at least every 20 business days on how your claim is progressing
  • If you need a repairer, we have a service provider locator

Lodge a claim here

In the event of a claim, Club Marine will pay the reasonable cost of replacing the item to the same condition as it was in before the loss. So if you have a 10 year old motor your claim will cover the cost to replace it. If it is replaced with a brand new motor you may be asked to pay the difference. This is known as a contribution.

Lay up refers to the months where you’re not using your boat (for example in winter), and it’s stored in an enclosed garage or shed, or behind walls, gates or fences. Adding lay up months reduces your insurance premium by 5% for each month you add. During lay up you’re still covered for fire, theft and storm damage at the storage location. Lay up also covers the boat whilst being moved to / from and whilst at a dealer or service centre for normal servicing and maintenance.

Lay up can be added to new policies and policy renewals, but not mid policy. If you’d like to use your boat during a lay up month, simply let us know via our member portal or call us on 0800 11 CLUB (2582) and pay any difference in premium.

With Market Value, the amount paid out may be less than what is shown on the schedule. That’s because the amount on the schedule represents a maximum payout, and what you will get is dependent on the actual sale value of the boat at the time of the loss.

With Agreed Value, the amount paid out will be based on what you agree with Club Marine – but you may need to provide evidence to confirm what you are proposing is reasonable, for example, a valuation or evidence of the purchase price.

To find out more, read our Policy Wording.

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