Written and edited by GabrielPowered by YouSail.com.au
Sailboat InsuranceAustralia · Independent guide

Boat Insurance Policy Comparison Worksheet

Compare boat insurance policy terms side by side and record the clauses behind each cover decision.

By GabrielLast reviewed Runs in your browser · optional saving on your device

Compare the same boat, use and navigation area. Record the clause or written answer behind each entry. There is no automatic winner: a cheaper premium cannot resolve a missing cover requirement.

How to use the status fields
“Confirmed” means you have checked a document or written reply against your needs. It is your record, not verification by this website. Use “Unclear” whenever wording needs clarification.
Quote A
Quote B

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Boat insurance policy comparison
User-entered document notes, not a recommendation.

Quote A
Documents: 
Annual premium / instalment total: 
Vessel value and settlement basis: unclear — No clause recorded
Navigation area and seasonal restrictions: unclear — No clause recorded
Private use, racing, liveaboard or charter: unclear — No clause recorded
Ordinary and special excesses: unclear — No clause recorded
Rigging, sails and machinery: unclear — No clause recorded
Liability, pollution, salvage and wreck removal: unclear — No clause recorded
Tender, outboard and personal effects: unclear — No clause recorded
Survey and maintenance conditions: unclear — No clause recorded

Quote B
Documents: 
Annual premium / instalment total: 
Vessel value and settlement basis: unclear — No clause recorded
Navigation area and seasonal restrictions: unclear — No clause recorded
Private use, racing, liveaboard or charter: unclear — No clause recorded
Ordinary and special excesses: unclear — No clause recorded
Rigging, sails and machinery: unclear — No clause recorded
Liability, pollution, salvage and wreck removal: unclear — No clause recorded
Tender, outboard and personal effects: unclear — No clause recorded
Survey and maintenance conditions: unclear — No clause recorded

Compare requirements before price

First define your boat, use and cruising area. Then enter two or three quotes and record the source for each answer. A confirmed entry means you have checked a document against your own needs; this site has not verified the policy. Unclear terms should become questions for the insurer, not an assumed benefit.

Why there is no overall score

An unsupported activity or navigation area cannot be offset by points for a lower premium. The worksheet keeps unresolved requirements visible instead of combining unrelated terms into a misleading score. Use the cost comparison calculator only after understanding the cover differences.

Documents to compare

  • PDS and supplementary PDS versions.
  • Individual schedule, certificate and endorsements.
  • Written answers on use, navigation, limits and excesses.
  • Annual premium including relevant taxes and the total instalment cost.

Save, download or print your results

These tools run on your device. Use Save on this device to keep a draft in this browser; saving is optional. Reset removes the saved draft. Download creates a text summary, and Print / save PDF opens your browser's print options. A saved worksheet is not an insurance application or confirmation of cover.

Related guides

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.