Use
Cradle support and stability
A vessel ashore is only as secure as what holds it up. Cradle adequacy, correct load distribution and — in exposed locations — tie-down are the factors that decide whether a boat rides out a blow or goes over, frequently taking neighbours with it.
| Arrangement | What to confirm |
|---|---|
| Yard-supplied cradle | Whether it is rated for your displacement and hull form |
| Owner's cradle | Engineering adequacy, and whether the insurer accepts it |
| Boat stands | Number, placement, chaining together, ground conditions |
| Tie-down | Required in cyclone areas; check anchor points and straps |
| Ground surface | Sealed hardstand versus gravel or dirt in wet conditions |
Neighbouring-vessel damage
Cover during storage and refit
- Some policies restrict cover while the vessel is out of commission or dismantled
- Lay-up terms may apply, changing what is covered during the period
- Work being carried out aboard can affect cover, particularly hot work
- Theft exposure changes — boats ashore are often easier to access
- Confirm cover applies during lifting, which is a high-risk moment
Lifting and launching cover
Travel-lift operations are where a meaningful share of hardstand claims occur. Establish whether damage during lifting is covered by your policy, by the yard's, or falls between the two — the answer is often in the yard's terms rather than yours.
Prepare your quote properly
Insurers price what they can verify. Work through the vessel-details checklist before you request quotes, so every quote you get is built on the same facts.
Frequently asked questions
Is my boat insured while stored on hardstand?
Usually, but sometimes on modified terms, and cover can be affected if the vessel is dismantled or work is being carried out. Confirm the position for the period it will be ashore.
Who is liable if my boat falls over on hardstand?
Generally you are, including for damage to other vessels, which is why cradle and stand adequacy matters. Yard terms may also allocate responsibility, so read them alongside your policy.
Related guides
- Seasonal Lay-Up Boat Insurance Australia
- Cyclone Boat Insurance Australia
- Marina Berth Boat Insurance Australia
- Boat Liability Insurance Australia
- Boat Insurance in Townsville
- Catamaran Insurance Australia
- Yacht Insurance During Contractor and Repair Work
- Boat Insurance by Use and Cruising Style
- Catamaran Haul-Out and Lifting Insurance
- Yacht Berth, Mooring and Storage Insurance Guides