Trailer Sailer Insurance Australia

Vessels

Trailer sailer loss scenarios

Situation	What tends to go wrong
Stored on the trailer	Theft of the whole rig, or of the outboard alone
On the road	Trailer failure, stone damage, jack-knifing, low clearance
Launching and retrieving	Ramp incidents, immersion of bearings, contact damage
Rigging and unrigging	Mast-raising accidents, damage to spars and standing rigging
Afloat	The ordinary sailing risks, usually in sheltered water

Road transit and trailer cover

Do not assume the policy follows the boat onto the highway. Road transit is treated separately in many wordings, and the trailer itself may need to be listed and valued as a distinct item. Confirm both in writing if the boat is trailered regularly.

Theft and storage conditions

Where the boat is kept between trips, described accurately — shed, driveway, secure yard
Whether a hitch lock, wheel clamp or immobiliser is required as a condition
Whether the outboard is covered separately and to what limit
Whether cover continues while the boat is stored away from the home address
Any condition about the trailer being registered and roadworthy

Mast raising and launching damage

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.

Open the checklist

Frequently asked questions

Is my trailer sailer covered while being towed?

Not automatically. Road transit is a separate cover in many policies. If you trailer the boat to different waterways, confirm transit cover and whether the trailer itself is insured.

Is the outboard covered if it is stolen from the boat?

Often, but frequently under a separate sub-limit and sometimes subject to a security condition. Check the limit against what the outboard would actually cost to replace.

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 It may be wrong, incomplete or out of date, and you should not rely on it as a substitute for the current policy documents or professional advice.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.