Choose RACQ Boat Insurance

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.

  • Coverage to your boat or trailer due to collision, weather, fire or theft
  • Up to $5,000 for loss or damage to your fishing equipment in or on your boat when an incident occurs. This limit can be increased for an additional premium.
  • Save up to 5% off each eligible insurance policy when a policyholder has three or more qualifying RACQ policies

Get your quote - call 13 1905

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RACQ members with Roadside Assistance get up to 15% 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 Determination 

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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 your fishing equipment in or on your boat when an incident occurs. This limit can be increased for an additional premium.
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    Cover for personal property

    We pay up to $5,000 for loss or damage to your personal property inside your boat when an incident occurs. This includes items such as clothing and portable electronic equipment (except for mobile phones and their accessories). This limit can be increased for an additional premium.

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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 your water sports equipment in or on your boat when an incident occurs. This limit can be increased for an additional premium.
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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 Determination 

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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 15% off your boat insurance.*
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    Multi policy discount
    Save up to 5% off each eligible insurance policy when a policyholder has three or more qualifying RACQ policies.

Your RACQ membership is brimming with value~~

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Lithium batteries

Power your next adventure with reliable batteries for your 4WD, boat, caravan, or campsite.

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Save on the essentials every week
Enjoy a 4% discount on pre-purchased Woolworths Supermarket eGift Cards.
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Earn cashback rewards when you shop
Shop online with more than 200 fashion, beauty, pet, and home retailers and earn cashback rewards.
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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) 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 Product Disclosure Statement (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.