Comprehensive watercraft insurance

Total cover for smooth sailing.

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All you need & more

We know your boat isn’t just your weekend escape; it’s your home away from home. That’s why our comprehensive insurance is designed to give you peace of mind whether you’re at sea or not, with cover for unexpected things like fire, theft, storm, flood, and collisions. It also foots the bill for emergency accommodation, transport, repairs and towing costs if your claim is accepted.

Policy Wording 

What’s included?

We know anything can happen, so we’ve tried to think of it all. Our comprehensive insurance covers you for a wide range of insured events, and comes with some extra benefits too - like up to $750 of contents cover if your belongings are damaged in an insured event.

Comprehensive policies include cover for accidental damage caused to the watercraft.

Cover for damage to the watercraft that is caused intentionally is included under Comprehensive cover.

Comprehensive policies include cover for accidental damage to the watercraft caused by a storm or flood.

Your watercraft is automatically covered for damage caused by fire.

We cover your watercraft for damage caused by theft or attempted theft.

Cover includes cover for damage to the watercraft caused by earthquake.

If you’re involved in an insured event as a result of which your watercraft isn’t safe to use and you’re more than 100km from where the watercraft is usually kept, we’ll pay up to $1,000 for your emergency accommodation, transport or repairs.

We’ve got you covered to the tune of $10 million for your legal liability, be it civil or reparation, to pay damages due to a claim for an accident that results in damage to someone else’s property.  There is also up to $1million cover for your legal liability to pay damages arising from accidental death or bodily injury.

After an insured event we’ll pay the reasonable cost of salvaging the watercraft wreck as well as towing to a suitable place. We’ll also pay the reasonable costs to prevent further loss or damage.

If the keys to your watercraft are stolen, we’ll cover the cost of replacing the keys and recoding the locks.

It’s not just your watercraft we’ve got covered in the event of an insured event; we’ll look after your contents inside it too. Comprehensive policies include up to $750 of cover, up to $150 per item and you also have the option to upgrade this cover to up to $1,000 per item.

We will cover your replacement watercraft, when you trade in your current watercraft, for up to 14 days after the purchase, if your replacement car is purchased for less than $75,000.

If your watercraft’s signwriting is damaged due to an insured event we’ll pay up to $500 to replace it.

If your watercraft suffers loss or damage due to an insured event we’ll cover up to $1,000 for any mooring cancellation or re-booking fees you incur.

Set a new NZSFC (New Zealand Sportfishing Council) fishing record and we’ll pay you $200.

We’ll pay $500 to the helicopter or coast guard rescue service that rescued you from your stranded watercraft if we also accept and pay a claim for the same event

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

What’s optional?

We don’t expect our standard policy to suit everyone, which is why we offer optional extras like social sailboat racing and watercraft contents upgrade, so you can choose just the right amount of cover for your watercraft, and not an ounce less.

You have the option to include cover against loss or damage to your watercraft as a result of an insured event when it is being used in a social sailing race.

Upgrade your level of contents cover up to $1,000 per item. 

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We'll Take Care of You

As many good days as there are, we all have some not-so-good days, too. Our claims team is dedicated to taking care of you, every step of the way

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Ask Us Anything

We love questions, because if something is important to you, then it’s important to us that we get it right. Browse our FAQs or ask us anything here