Protect your marine investment with our elite boat insurance and preventative maintenance package, designed for optimal vessel performance and longevity. Our insurance partnership with Gallaghers and Nautilus gives you access to premiums that reflect the reduced risk by being subscribed to our service. For vessels valued at $1 million or more, you can significantly offset most, if not all, of the cost of your annual BoatSmart HQ membership. Enjoy a carefree boating experience, knowing your yacht receives the best in coverage and expert maintenance. Keep her ready at all times for your next great escape.
Australia & NZ wide theft coverage, no forced entry is required (except for theft of watersports equipment and personal effects). Theft excess may apply when no forced entry evident.
Transit Cover
Standard Australia & NZ wide cover for physical loss or damage to the insured boat during overland transport provided trailer and towing vehicle have manufacturer recommended towing capacity. Incidental movement via commercial ferry or rail is covered.
Contents and Personal Effects
Personal effects are covered up to $20k in total and $2k per item. Contents covers items not used in the operation or navigation of your boat but kept in it and used exclusively on board (other than certain high value items such as fine arts, jewellery, money etc). Sub-limits and special excesses apply to certain items.
Mechanical Breakdown
Mechanical breakdown cover for motors described on the Certificate of Insurance (subject to certain conditions being met).
Accidental loss or damage
Mechanical Breakdown
Auto included sailboat racing up to 100NM
Nil excess for loss if occurs at usual marina berth
Sails covered if damaged by persons on boat
Temporary storage of equipment and accessories
Reasonable salvage costs above sum insured
Fishing tournament and yacht race fee reimbursement
Broad limits on personal and usage equipment, including loss triggers
Emergency expenses cover: $5,000 limit
Legal Liability Coverage
Protection for legal liability for third party injury or property damage arising from ownership, operation, maintenance or use of the insured boat. Includes marine environmental damage cover, cover for operation of other watercraft and cover for replacement boats.
Nautilus Marine Environmental Damage Cover
Standard Pollution Inclusions
PDS defined: means the unintended physical injury to or alteration or destruction of coastal or marine habitat through physical contact with Your Boat including its fuel, lubricants, or similar products used in the operation of Your Boat.
Is your client covered for accidental discharge of pollutants, hull strike and damage to environment
$50,000 sublimit for fines and penalties
Is your client covered for fines and penalties?
Personal Accident Coverage
Personal accident protection for death or injury causing permanent and total: loss of sight, use of a limb, or loss of a thumb or finger whilst using the insured boat. Cover extends to all named insured persons subject to apportionment of sums insured, including cover for claims against the insured by other persons. Cover for claims against the insured is capped at $2,000 for any one person and up to a maximum of $5,000 per incident.
Wording
Nautilus Premium Personal Accident Cover
Other PA Wordings
Includes cover for claims against the insured by other people
Restricted to cover for insured only
Frequently Asked Questions
Marine insurance FAQs
While no prior boating experience is necessary to purchase marine insurance, it can be highly beneficial. Prior boating experience is key to unlocking lower policy costs with us.
Absolutely! As a first-time boat owner, getting insurance coverage is important to protect yourself and your investment. At BoatSmart HQ, we offer training to ensure you meet the standard for coverage.
Yes, BoatSmart HQ offerings will be influenced by your level of experience. Your quote will be rated based on your boating experience, and we also offer discounts on fuel, fishing gear, and more for our members.
Your previous claims within the past three years will be taken into account when determining your insurance coverage with BoatSmart HQ. The type of previous claims will also be considered.
No, if your claim was more than three years ago, it will not affect your current policy.
No, claims made by previous vessel owners do not affect your boat insurance coverage.
No, you cannot. If you are selling your vessel, you can cancel your insurance with a provider, but owners cannot change insurance providers midway through a policy. Changing insurance providers can only be done during the renewal period.
Absolutely, BoatSmart HQ takes your previous coverage history into account when generating a quote. Your history can have an impact on the premium you’ll be asked to pay, so it’s important to provide accurate information.
No, BoatSmart HQ will not require any documentation or proof of your previous insurance coverage.
BoatSmart HQ specialises in providing insurance coverage for Marina or Dry-stacked vessels only. If you own any of these vessels, you can rely on BoatSmart HQ to protect your investment and ensure that you are covered in any unexpected incidents.
Absolutely. The type of vessel you have will affect the cost of your insurance premiums. If you’re using a speciality craft, such as one that’s designed for match racing, you can expect to pay more.
BoatSmart HQ insurances a wide range of vessel types, However, we do not insure trimarans due to the fact that they are traditionally more challenging to maintain.
The value of your vessel is an important factor that affects the insurance coverage provided by BoatSmart HQ. Generally speaking, higher-value vessels will require higher rates and cover requirements, as the cost of repairing or replacing a more expensive vessel is typically higher than that of a less expensive one.
BoatSmart HQ may require an appraisal or assessment of your vessel’s value before providing coverage in some cases, but not always. The need for an appraisal or assessment is determined on a case-to-case basis.
Yes and no. The maximum value of vessels that BoatSmart HQ can insure is NZD$10 million.
Yes, the length of your boat can impact the insurance coverage and premiums offered by BoatSmart HQ. Vessels over 80ft or requiring crew are graded differently, but the value of a vessel is the primary determinant regardless of length.
There is no minimum or maximum boat length requirement for obtaining marine insurance from BoatSmart HQ. We aim to provide comprehensive coverage options for all types of boats, whether small or large.
No, the length of your boat does not affect the claims process with BoatSmart HQ. Whether your boat is short or long, the claims process remains the same.
The age of your boat can have an impact on the cost of insurance premiums. In fact, boats that are over 15 years old may need to undergo a survey before they can qualify for insurance coverage.
BoatSmart HQ cannot insure any vessel over 20 years old. It is important to remember this when considering your vessel’s insurance options.
As long as your vessel falls below the 20-year threshold, there are no additional requirements or considerations for insuring an older boat with us.
At BoatSmart HQ, we understand the importance of providing our customers with comprehensive insurance coverage. That’s why we offer marine insurance coverage for both petrol and diesel engines.
While there are no restrictions on the horsepower or number of engines for insuring a boat with BoatSmart HQ, high-horsepower vessels are assessed on an individual basis.
While the type of propulsion on your boat generally does not impact the insurance coverage provided by BoatSmart HQ, there is one exception to be aware of. Special policy conditions may apply if your boat is equipped with Volvo Penta IPS.
Absolutely. The condition of your boat’s engines can affect the insurance premiums you pay. However, if you maintain your vessel with BoatSmart HQ, you will qualify for lower premiums.
BoatSmart HQ covers all types of propulsion systems. If you have any questions or concerns about a specific type of system, please don’t hesitate to reach out to our team for assistance.
Vessels with propulsion in poor condition can become uninsurable; BoatSmart HQ ensures your engine is kept well within insurance requirements.
BoatSmart HQ provides comprehensive marine insurance coverage within the regions of New Zealand and Australia. Unfortunately, at this time, BoatSmart HQ does not offer coverage for boats outside of these regions.
BoatSmart HQ can only insure a vessel that is physically in New Zealand or Australia. However, we provide blue water cover for those sailing out of the country.
Yes. We can only insure boats berthed in Marina or dry-stacked at boat parks. We do not insure vessels kept at swing moorings or piles because of additional risks posed at those locations.
“With a maintenance and activity log, and an independent monthly assessment, BoatSmartHQ services help to maintain the value of my asset, assists with my insurance profile, and allows me to cruise with confidence.”
Daniel Riviera 46 Coupe
“BoatSmart assists boat owners by taking the uncertainty and worries out of owning and caring for their expensive asset. Imagine having the comfort of knowing that your vessel is being maintained and serviced on a regular basis - how better than to enjoy the asset you have trouble free.”
Bruce Gulf Group Marine Brokers
“This is my first sea bound boat. With my BoatSmart First Mate's knowledge on tap, I have true peace of mind. Plus it makes me safe, saves time and money.”
Steve GulfStream 38
“Shout out for the fabulous app and service BoatSmart provide. My First Mate seamlessly looks after my baby. If you don't use them, you should. GIVE THEM A CALL”
