• Winner of DBM’s Most Recommended General Insurer award
  • Multi-policy holder discounts
  • Cover starts immediately with 21 days to pay
  • Pay monthly at no extra cost

RAA has a policy to suit your needs

Whether you’re water skiing, taking the yacht for a sail, or just catching a few fish in the gulf, we have a policy to suit your needs.

RAA Boat Insurance covers you Australia-wide, and up to 200 nautical miles off the coast of Australia. Our policies include cover for your boat, engine and trailer.

Plus, our insurance policies come with RAA membership, giving you access to a whole world of benefits and savings.

Boat Insurance benefits

  • 1
    Standard benefits

    Accidental loss or damage

    You’re covered Australia-wide and up to 200 nautical miles off the coastline of Australia for accidental loss or damage to your boat as a result of a storm, fire, flood, hail, malicious damage (such as vandalism), collision, perils of the sea, and theft or attempted theft. Any standard accessories (e.g. fish finder/chart plotter/CB radio/lifesaving equipment) that were fitted to the boat when new are covered under your policy. After-market accessories can be added to your policy.
    Covered Australia-wide
  • 1

    Contents cover

    If contents on your boat are accidentally damaged following a break in or other incident, we’ll cover up to $2,000 for contents (excluding personal effects such as mobile phones, tablets, jewellery and credit cards).
    Up to $2,000
  • 1

    New boat replacement

    If you buy a brand new boat and it’s written off within the first two years of the initial registration date, we’ll replace it with a new one of the same or similar make, model or series, subject to local availability.
    Within first two years
  • 1

    Rescue expense

    If your boat is reported missing while you’re aboard, we’ll cover up to $5000 charged by a maritime rescue organisation for each rescue operation.
    Up to $5000
  • 1

    Accidents: other people's property (Legal liability and costs)

    You’re covered for up to $20 million in loss or damage to other people’s property caused by the use of your boat in Australia and up to 200 nautical miles off the coastline of Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $20 million
  • 1

    Accidents: other people (Legal liability and costs)

    You’re covered for $5 million in costs from bodily injury or death of a person caused by the use of your boat in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $5 million
  • Inspection of hull after running aground

    We’ll reimburse the cost of an inspection of your boat’s hull after running aground, even if no damage is found.
    Cover cost of inspection
  • 14 day change of boat cover

    When you sell or your replace boat for another one, we’ll cover the new boat for up to 14 days. 
    Transfer cover to a new boat for up to 14 days
  • Emergency repairs

    We’ll cover up to $750 for emergency repairs to your boat so you can get it to your destination, the nearest repairer or a place of safety, after an incident.
    Up to $750
  • $0 excess if you're not at fault

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.
    No excess to pay in some situations
  • Salvage

    We’ll reimburse the cost of salvage and the removal of the wreck of your boat following an incident.
    Cover cost of salvage
  • Towing and storage

    If your boat is damaged as the result of an incident, we’ll reimburse the cost of its removal and storage at the nearest repairer or place of safety, or to any other place approved by us.
    Cover cost of removal and storage
  • Death of driver

    If the driver of your boat is accidentally killed as a result of a boating accident (private use only), we'll pay $5,000 to the estate of the deceased driver. If the driver under 18 years of age, we'll pay their legal guardian.
    Up to $5000
  • Optional cover

    Waterskier’s liability

    We’ll extend legal liability cover to the driver, observer and waterskier on or being towed by your boat for up to $20 million, for any loss or damage to other people's property and/or their bodily injury or death that occurs while they're using your boat for waterskiing.
    Up to $20 million
  • Racing Risk

    We’ll cover you for loss or damage to sails, masts, spars, standing and running rigging if you’re racing under sail or travelling to or from a race. We’ll also extend legal liability cover for loss or damage to someone else's property, bodily injury or death that occurs while using your boat for racing.
    Yachts and sailing boats only

Boat Insurance benefits

Use the drop-down menus to compare options

  • 1
    Standard benefits

    Accidental loss or damage

    You’re covered Australia-wide and up to 200 nautical miles off the coastline of Australia for accidental loss or damage to your boat as a result of a storm, fire, flood, hail, malicious damage (such as vandalism), collision, perils of the sea, and theft or attempted theft. Any standard accessories (e.g. fish finder/chart plotter/CB radio/lifesaving equipment) that were fitted to the boat when new are covered under your policy. After-market accessories can be added to your policy.
    Covered Australia-wide
  • 1

    Contents cover

    If contents on your boat are accidentally damaged following a break in or other incident, we’ll cover up to $2,000 for contents (excluding personal effects such as mobile phones, tablets, jewellery and credit cards).
    Up to $2,000
  • 1

    New boat replacement

    If you buy a brand new boat and it’s written off within the first two years of the initial registration date, we’ll replace it with a new one of the same or similar make, model or series, subject to local availability.
    Within first two years
  • 1

    Rescue expense

    If your boat is reported missing while you’re aboard, we’ll cover up to $5000 charged by a maritime rescue organisation for each rescue operation.
    Up to $5000
  • 1

    Accidents: other people's property (Legal liability and costs)

    You’re covered for up to $20 million in loss or damage to other people’s property caused by the use of your boat in Australia and up to 200 nautical miles off the coastline of Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $20 million
  • 1

    Accidents: other people (Legal liability and costs)

    You’re covered for $5 million in costs from bodily injury or death of a person caused by the use of your boat in Australia. We'll also cover all legal costs and expenses incurred in defending any civil court proceedings arising from an insured event (with our prior agreement).
    Legal liability up to $5 million
  • Inspection of hull after running aground

    We’ll reimburse the cost of an inspection of your boat’s hull after running aground, even if no damage is found.
    Cover cost of inspection
  • 14 day change of boat cover

    When you sell or your replace boat for another one, we’ll cover the new boat for up to 14 days. 
    Transfer cover to a new boat for up to 14 days
  • Emergency repairs

    We’ll cover up to $750 for emergency repairs to your boat so you can get it to your destination, the nearest repairer or a place of safety, after an incident.
    Up to $750
  • $0 excess if you're not at fault

    You don't need to pay an excess if, in our opinion, you weren't at fault and you can supply the details of the other party involved.
    No excess to pay in some situations
  • Salvage

    We’ll reimburse the cost of salvage and the removal of the wreck of your boat following an incident.
    Cover cost of salvage
  • Towing and storage

    If your boat is damaged as the result of an incident, we’ll reimburse the cost of its removal and storage at the nearest repairer or place of safety, or to any other place approved by us.
    Cover cost of removal and storage
  • Death of driver

    If the driver of your boat is accidentally killed as a result of a boating accident (private use only), we'll pay $5,000 to the estate of the deceased driver. If the driver under 18 years of age, we'll pay their legal guardian.
    Up to $5000
  • Optional cover

    Waterskier’s liability

    We’ll extend legal liability cover to the driver, observer and waterskier on or being towed by your boat for up to $20 million, for any loss or damage to other people's property and/or their bodily injury or death that occurs while they're using your boat for waterskiing.
    Up to $20 million
  • Racing Risk

    We’ll cover you for loss or damage to sails, masts, spars, standing and running rigging if you’re racing under sail or travelling to or from a race. We’ll also extend legal liability cover for loss or damage to someone else's property, bodily injury or death that occurs while using your boat for racing.
    Yachts and sailing boats only

Why choose Boat Insurance with RAA?

  • 10% discount for multi-policy holders

    We give you 10% off each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance), in the same name. 
  • Pay monthly at no extra cost

    You can choose to pay monthly or annually, with no additional cost if you choose to pay by the month.
  • We’re SA locals

    We’re based right here in SA, so you’ll always deal with a local. We’re proud of our commitment to doing more for South Australians.

We're here to help

  • Call us

    Monday to Friday, 8am to 6pm  Saturday, 9am to 12pm
  • Enquire online

    Send us a message and we'll contact you
  • Find a shop

    Drop in and chat face-to-face
  • Help centre

    Access important documents and more

Things you should know

The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the Boat Insurance Product Disclosure Statement (PDF, 404KB)Our Boat Insurance Target Market Determination (PDF, 654KB) provides information about who this product is suitable for. RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Read our General Insurance Code of Practice and complaint resolution information.

For details on your rights and benefits as a member of RAA please refer to the Membership Terms and Conditions.