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We’ve got you covered with RACQ Boat Insurance

Protect your boat with RACQ Boat Insurance so you can enjoy being out and about on Australia’s waterways. Our members have trusted RACQ to cover their vehicles for years, and you can expect the same level of care to be given to your boat.

When you buy RACQ Boat Insurance you automatically become a member. This gives you access to a wide range of RACQ member benefits including discounts on fuel, 8% off BCF eGift cards and savings of up to $25 on marine batteries##. Get a quote for Boat Insurance online or over the phone today.

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RACQ Roadside Assistance subscribers get a discount of up to 17.5%*

What am I covered for?

For full details of what’s included in RACQ Boat Insurance, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Cover for loss or damage to your boat following a collision, weather events (flood, hail, storms, cyclones), fire, malicious act, theft or attempted theft.
You are covered for up to $10 million for your legal liability which results from the use of your boat.
We will replace your boat that is less than 2 years old with a new one in certain circumstances, if we decide it is a total loss.
Contents - We pay up to $500 if your contents are damaged in an incident that involves your boat. This includes items such as waterproof gear, bedding, portable kitchen appliances, unfixed furniture and cooking equipment.
  • Cover for personal property
    We pay up to $500 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 fishing equipment.
  • Safety equipment
    We will reimburse you up to $500 if you must replace/recharge fire extinguishers or flares after an incident.
  • Towing costs
    We pay the reasonable costs to tow or move your boat after an incident.
  • Inspecting your hull
    We pay for the cost of an authorised hull inspection after a stranding.
  • More Inclusions
    See our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Optional Extras

For full details of optional extras for RACQ Boat Insurance, see our Product Disclosure Statement (PDS) and any relevant Supplementary PDS (where applicable).

Racing icon 


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

Water skiing

We cover your legal liability when someone is being towed behind your boat.

Why choose RACQ?


More than an insurance policy, you’re a member

When you insure with RACQ you receive membership to Queensland’s Largest Club with extra benefits such as advice, discounts and more.

Assisting Queenslanders since 1905

RACQ has been assisting Queenslanders for over 100 years, we know what matters most to locals at home and on the road.

Ways to save

For full details of discounts and savings for RACQ Boat Insurance, see our Insurance Discounts page.

Roadside Assistance Discount

RACQ Roadside Assistance subscribers get a discount of up to 17.5%* on their boat insurance (savings based on membership level).

Multi Policy Discount

If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.

No Claim Discount (NCD)

Be rewarded when you don’t make claims. You can save up to 25% with our No Claim Discount.

 As an RACQ member, you can also save 4¢ per litre on fuel at selected Puma stations#.

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Insurance products issued by RACQ Insurance Limited ABN 50 009 704 152. 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 relevant SPDS (where applicable) before making a purchase decision.

*Maximum 17.5% discount. Savings based on Roadside membership level.

## BCF eGift Cards: Retail partners, offers and discounts may change at any time without notice. Visit for the conditions, limits and exclusions for each offer.
Marine Batteries: Conditions, limitations and exclusions apply. See for details.
# E10, Unleaded 91, Premium Diesel and LPG only. Conditions, limits and exclusions apply. See Puma Energy fuel discount for more information.
*** Excludes pay later option. Pet Insurance discount is per pet, maximum four pets.