Printable Boat Insurance Quote Checklist

Resources

Vessel details for insurance quotes

Make, model and year
Hull Identification Number if applicable
Registration
Length, beam and construction
Engine make, model, year and power
Purchase price and date
Current estimated value
Tender and outboard values
Trailer value if applicable

Boat systems and equipment upgrades

Standing rigging age
Last survey date
Engine service history
Lithium battery installation
Solar and inverter system
Generator
Navigation electronics
Watermaker, air conditioning and other high-value equipment

Berth, navigation area and vessel use

Home berth, mooring or storage address
Cruising area
Maximum offshore distance
Racing activity
Liveaboard use
Planned international trips
Cyclone-season location
Commercial or charter use

Owner and skipper experience

Years of experience
Largest previous vessel
Offshore miles or passages
Qualifications
Claims history
Regular additional operators

Policy terms and quote fields to record

Premium
Sum insured and settlement basis
Liability limit
Standard excess
Additional excesses
Navigation limits
Survey conditions
Storm conditions
Racing terms
Key exclusions
PDS version and date

Using consistent details across insurance quotes

An insurer can only price the facts it receives. If one quote assumes protected-water use and another includes offshore passages, or one uses a recent valuation while another uses an optimistic asking price, the premiums are not comparable. Prepare one source sheet and answer every market from it. Where a question is ambiguous, record both the question and the explanation you gave.

Keep the submitted facts, quote, certificate and policy documents together. This creates an evidence trail for renewal and helps resolve what was disclosed if a later claim raises the same issue.

General information onlyThe information on sailboatinsurance.com.au is general educational information only. It may be wrong, incomplete or out of date, and you should not rely on it as a substitute for the current policy documents or professional advice. It does not take into account your objectives, financial situation or needs and is not personal financial product advice. Insurance cover depends on the actual policy wording, Product Disclosure Statement, certificate of insurance, endorsements, exclusions, limits, sub-limits and underwriting decisions that apply to your vessel. Always read the current policy documents before buying, renewing or changing cover. For legal, financial or insurance advice about your own circumstances, consider speaking with an appropriately licensed professional.