BoatSmart HQ receives a referral fee upon successful referrals
Protect your marine investment with our elite boat insurance and preventative maintenance package, designed for optimal vessel performance and longevity. Our insurance referral partnership with Gallaghers and Nautilus gives you access to premiums that reflect the reduced risk by being subscribed to our service. For vessels valued at $1 million or more, you can significantly offset most, if not all, of the cost of your annual BoatSmart HQ membership. Enjoy a carefree boating experience, expert maintenance and approved insurance cover. Keep her ready at all times for your next great escape.
Australia & NZ wide theft coverage, no forced entry is required (except for theft of watersports equipment and personal effects). Theft excess may apply when no forced entry evident.
Transit Cover
Standard Australia & NZ wide cover for physical loss or damage to the insured boat during overland transport provided trailer and towing vehicle have manufacturer recommended towing capacity. Incidental movement via commercial ferry or rail is covered.
Contents and Personal Effects
Personal effects are covered up to $20k in total and $2k per item. Contents covers items not used in the operation or navigation of your boat but kept in it and used exclusively on board (other than certain high value items such as fine arts, jewellery, money etc). Sub-limits and special excesses apply to certain items.
Mechanical Breakdown
Mechanical breakdown cover for motors described on the Certificate of Insurance (subject to certain conditions being met).
Accidental loss or damage
Mechanical Breakdown
Auto included sailboat racing up to 100NM
Nil excess for loss if occurs at usual marina berth
Sails covered if damaged by persons on boat
Temporary storage of equipment and accessories
Reasonable salvage costs above sum insured
Fishing tournament and yacht race fee reimbursement
Broad limits on personal and usage equipment, including loss triggers
Emergency expenses cover: $5,000 limit
Legal Liability Coverage
Protection for legal liability for third party injury or property damage arising from ownership, operation, maintenance or use of the insured boat. Includes marine environmental damage cover, cover for operation of other watercraft and cover for replacement boats.
Nautilus Marine Environmental Damage Cover
Standard Pollution Inclusions
PDS defined: means the unintended physical injury to or alteration or destruction of coastal or marine habitat through physical contact with Your Boat including its fuel, lubricants, or similar products used in the operation of Your Boat.
Is your client covered for accidental discharge of pollutants, hull strike and damage to environment
$50,000 sublimit for fines and penalties
Is your client covered for fines and penalties?
Personal Accident Coverage
Personal accident protection for death or injury causing permanent and total: loss of sight, use of a limb, or loss of a thumb or finger whilst using the insured boat. Cover extends to all named insured persons subject to apportionment of sums insured, including cover for claims against the insured by other persons. Cover for claims against the insured is capped at $2,000 for any one person and up to a maximum of $5,000 per incident.
Wording
Nautilus Premium Personal Accident Cover
Other PA Wordings
Includes cover for claims against the insured by other people
Restricted to cover for insured only
Frequently Asked Questions
Marine insurance FAQs
Prior boating experience is not necessary but it is beneficial to unlocking lower policy costs.
Absolutely! As a first-time boat owner, getting insurance coverage is important to protect yourself and your investment. At BoatSmart HQ, we offer training to ensure you meet the standard for coverage.
Your insurance referral will be rated based on your boating experience, but BoatSmart HQ benefits for members such as discounts on fuel and fishing gear are identical regardless of experience.
Previous claims within the past three years are considered when determining insurance coverage. The nature of past claims also plays a role in this assessment.
No, if your claim was more than three years ago, it will not affect your current policy.
No, claims made by previous vessel owners do not affect your boat insurance coverage.
No, you cannot. If you are selling your vessel, you can cancel your insurance with a provider, but owners cannot change insurance providers midway through a policy. Changing insurance providers can only be done during the renewal period.
Your history will impact the premium you’ll be asked to pay, so it’s important to provide accurate information.
No, BoatSmart HQ will not require any documentation or proof of your previous insurance coverage.
Absolutely. The type of vessel you have will affect the cost of your insurance premiums. If you’re using a speciality craft, such as one that’s designed for match racing, you can expect to pay more.
They do not insure trimarans due to the fact that they are traditionally more challenging to maintain.
Generally speaking, higher-value vessels will require higher rates and cover requirements, as the cost of repairing or replacing a more expensive vessel is typically higher than that of a less expensive one.
BoatSmart HQ may require an appraisal or assessment of your vessel’s value before providing a referral in some cases, but not always. The need for an appraisal or assessment is determined on a case-to-case basis.
The maximum value of vessels that BoatSmart HQ can refer is NZD$10 million. If you have a vessel above $10 million, call us anyway.
Yes, because the value of a vessel is the primary determinant regardless of length. Moreover, vessels over 80ft or requiring crew are graded differently.
Our partners aim to provide comprehensive coverage options for all types of boats, whether small or large.
The claims process is the same for all vessels.
The age of your boat can have an impact on the cost of insurance premiums. In fact, boats that are over 15 years old may need to undergo a survey before they can qualify for insurance coverage.
BoatSmart HQ will not refer vessels over 20 years old.
No. As long as your vessel falls within the 20-year threshold, there are no additional requirements or considerations.
Our partners offer marine insurance coverage for both petrol and diesel engines.
There are no restrictions on the horsepower or number of engines. High-horsepower vessels are assessed on an individual basis.
The only special policy conditions that may apply is if your boat is equipped with Volvo Penta IPS.
Absolutely. The condition of your boat’s engines can affect the insurance premiums you pay. However, if you maintain your vessel with BoatSmart HQ, you will qualify for lower premiums.
If you have any questions or concerns about a specific type of system, please don’t hesitate to reach out to our team for assistance.
Vessels with propulsion in poor condition can become uninsurable; BoatSmart HQ ensures your engine is kept well within insurance requirements.
The BoatSmart HQ insurance package covers the regions of New Zealand and Australia.
Boatsmart HQ only refers vessels physically located in New Zealand or Australia.
Yes. BoatSmart HQ can only refer boats berthed in a marina or dry-stacked at boat parks. We do not refer vessels kept at swing moorings or piles because of additional risks posed at those locations.
“With a maintenance and activity log, and an independent monthly assessment, BoatSmartHQ services help to maintain the value of my asset, assists with my insurance profile, and allows me to cruise with confidence.”
Daniel Riviera 46 Coupe
“BoatSmart assists boat owners by taking the uncertainty and worries out of owning and caring for their expensive asset. Imagine having the comfort of knowing that your vessel is being maintained and serviced on a regular basis - how better than to enjoy the asset you have trouble free.”
Bruce Gulf Group Marine Brokers
“This is my first sea bound boat. With my BoatSmart First Mate's knowledge on tap, I have true peace of mind. Plus it makes me safe, saves time and money.”
Steve GulfStream 38
“Shout out for the fabulous app and service BoatSmart provide. My First Mate seamlessly looks after my baby. If you don't use them, you should. GIVE THEM A CALL”
