Boat Insurance Online :: Calculators

Share this calculator!

Boat Insurance Online Boat Insurance Calculator

Estimate your boat insurance needs with our Boat Insurance Calculator. Calculate the right levels of cover to protect your marine craft and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Boat Insurance – Sum Insured Calculator

Add up the replacement cost of your hull, motors, trailer and onboard gear so you don’t underinsure. This tool totals the items you enter and produces a neat summary you can send with a quote request.

Boat type

Make / model / year

Hull/base vessel value (replacement) Do not include motors, trailer or loose gear here.

Motor(s)

List each outboard/inboard separately (type/HP + replacement value).

Trailer (optional)

Onboard equipment

Navigation (GPS/plotter, radar), radios, autopilot, depth sounder, anchors & winches, sails & rigging (yacht), safety gear (EPIRB, lifejackets, flares) etc.

Accessories & personal/recreational gear

Covers/bimini/canopy, electronics/audio, tender/dinghy, watersports or fishing gear, custom fittings.

GST treatment Commercial policies typically set sums insured ex-GST if the insured can claim input tax credits.

Financier (optional) Shown on your summary only.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Share this calculator:

Boat Insurance Articles

Boat Insurance Hacks Every Aussie Skipper Needs to Know

Navigating the waves around Australia's vast coastline is a pastime many hold dear. However, with great adventure comes the responsibility of ensuring your marine vessel is insured adequately. Skippers Down Under are no strangers to the unpredictable challenges at sea, and the significance of securing a suitable insurance policy cannot be overstressed. - read more

The Ultimate Guide to Reducing Boat Insurance Costs for Australians

For Australians who own a boat, having the right insurance coverage is crucial. Owning a boat is not just a leisure activity but also a significant investment, demanding protection against unforeseen incidents. An appropriate insurance policy helps safeguard your valuable asset, providing peace of mind while you're enjoying the open waters. - read more

Understanding Boat Maintenance Schedules: A Seasonal Guide

Owning a boat comes with a wave of responsibilities, notably in the realm of maintenance. Regular maintenance plays a crucial role in ensuring the longevity and performance of your boat, much like adhering to a trusty roadmap for a long journey. Without it, not only may you encounter unwanted breakdowns, but the overall lifespan of your vessel could be significantly shortened. - read more

The Must-Have Safety Equipment for Australian Boaters

Boating is a beloved pastime in Australia, offering endless opportunities to explore the stunning coastline and sparkling waterways. However, enjoying your time on the water safely is paramount. Proper safety measures are essential to ensure that every boating activity is as enjoyable as it is secure. - read more

Insurance 101: Understanding Key Terminology for Recreational Boat Owners

Boat ownership is a popular recreational activity in Australia, but it’s also important for boat owners to understand the potential risks involved. That's where boat insurance comes in. It's a form of financial protection that helps to cover the costs of any damages, accidental losses, or other unexpected events while using your boat. - read more

Insurance News

Marinex Underwriting Sets Sail in Australian Marine Insurance Market

10 Dec 2025: Paige Estritori

In a significant development for Australia's marine insurance sector, Rhodian Group has announced the launch of Marinex Underwriting, a specialised agency dedicated to addressing the complex insurance needs of the marine industry. This initiative marks Rhodian's third agency launch, following the establishment of Halo Underwriting and Batch Underwriting in previous years. - read more

Markel Insurance Strengthens Australian Presence with New Marine Leadership

10 Dec 2025: Paige Estritori

Markel Insurance has announced the appointment of Tim Wills as Head of Marine for Australia, signalling the company's strategic expansion into the Australian marine insurance market. Based in Sydney, Wills will spearhead the launch of Markel's marine products in the region, beginning with marine cargo insurance. - read more

GT Insurance Provides Flexible Solutions Amid Global Trade Shifts

10 Dec 2025: Paige Estritori

As global trade dynamics undergo significant shifts, GT Insurance is reaffirming its commitment to supporting marine clients navigating these challenges. The recent imposition of US tariffs—25% on Australian steel and aluminium, and 10% on other exported goods—has introduced new uncertainties for local exporters, particularly in sectors like beef and bulk freight. These tariffs, effective from April 5, 2025, have prompted concerns about declining export volumes and reduced freight margins. - read more

Northern Australian Marinas Appeal for Government Support Amid Escalating Insurance Costs

02 Dec 2025: Paige Estritori

Marina operators across Northern Australia are sounding the alarm over surging insurance premiums, with some reporting increases exceeding 300% in recent years. This financial strain is prompting urgent calls for government intervention to ensure the sustainability of the industry. - read more

Coast Insurance Announces New Co-CEOs to Propel Strategic Growth

02 Dec 2025: Paige Estritori

In a significant move within the Australian insurance sector, Coast Insurance has appointed Stephanie Muller and Jordan Brindley as Co-Chief Executive Officers. This strategic decision underscores the company's commitment to robust leadership and sustained growth. - read more

Click for more Insurance News

Knowledgebase

Professional indemnity:
An insurance that provides cover for liability incurred in the course of exercising a profession.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.