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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. You can choose from Comprehensive Boat Insurance or Third Party Liability Boat Insurance.

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 over the phone today.

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

Call us for a quote today on 13 1905

What am I covered for?

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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Cover for loss or damage to your boat following a collision, weather events (flood, hail, storms, cyclones), fire, malicious act, theft or attempted theft.

Cover for 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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You are covered for up to $10 million for your legal liability which results from the use of your boat.

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.

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.

Fishing equipment - we pay up to $5,000 for loss or damage to fishing equipment that belongs to you and is in your boat when an incident occurs. Need additional cover? Then just call us to increase the amount of cover for your fishing equipment.

Fishing equipment - we pay up to $5,000 for loss or damage to fishing equipment that belongs to you and is in your boat when an incident occurs. Need additional cover? Then just call us to increase the amount of cover for your fishing equipment.

  • 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). Need additional cover? Then just call us to increase the amount of cover for your personal property.
  • Safety equipment
    We will reimburse you up to the replacement cost of all your boat's mandatory safety equipment if lost or damaged during an incident.
  • 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. Need additional cover? Then just call us to increase the amount of cover for your water sports equipment.
  • Inspecting your hull
    We pay up to $1,000 for the cost of a hull inspection after a stranding or if run aground.
  • More Inclusions
    See our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determination.

Optional Extras

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.

Yacht and sailboat racing

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

Legal liability extension – water sport towing activities

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

Why choose RACQ?

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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.

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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 (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.

** Excludes pay later option.

*** Excludes pay later option. Pet Insurance discount is per pet, maximum four pets.

^^ Home and contents must be at the same address.

# E10, Unleaded 91, Premium Diesel and LPG only. Conditions, limits and exclusions apply. See Puma Energy fuel discount for more information.

## BCF eGift Cards: Retail partners, offers and discounts may change at any time without notice. Visit racq.com/discounts for the conditions, limits and exclusions for each offer.
Marine Batteries: Conditions, limitations and exclusions apply. See racq.com/batteries for details.

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