Boat & Jet Ski Insurance.
Hull damage from a collision. A jet ski stolen from the trailer. A third party injured during water sports. Marine incidents can be costly - and most home insurance policies don't cover watercraft. Co-Pilot compares boat and jet ski insurance across 90+ insurers so your vessel, your gear, and your liability are properly covered.
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What Is It?
Boat and jet ski insurance - what's covered and which vessels qualify
Marine insurance covers your vessel, its components, and your liability on the water. Here's what a comprehensive policy typically includes.
Vessel Types Covered
Key Parts of Your Vessel Covered
What's Covered
What's included in a marine insurance policy - standard and specialist covers
Marine policies vary significantly between insurers. Here's what a comprehensive boat and jet ski policy typically covers.
Rescue Activities
Cover for voluntary rescue efforts and emergency assistance on the water.
Accidental Storm Damage
Cover for hull, collision and damage caused by storm and flood events.
Water Ingress
Protection for motors and electronics if water gets in due to transit or accident.
Pollution Liability
Cover for costs related to fuel or oil spills arising from a covered incident.
Inland Disasters
Includes fire, storm, and flood damage while your vessel is on land or in storage.
Collision Damage
Cover for collisions with other vessels, objects, or submerged hazards.
Water Sports Liability
Covers activities like water skiing, wakeboarding, and snorkelling behind your vessel.
Marine Professionals
Cover for instructors, coaches, and operators who use boats commercially.
Personal Contents
Protection for your personal belongings stored or in use on board.
Who Needs It
Who needs boat and jet ski insurance - recreational and professional users
If you own or regularly operate any watercraft in Australia, dedicated marine insurance is essential. Standard home insurance won't cover it.
Recreational Boaters
Hit the water for fun - make sure you're covered in the event that you need it.
Water Sports Lovers
Jet skiers, boarders, and skiers all need protection for themselves and others.
Fishing Enthusiasts
Whether it's freshwater or deep-sea fishing, keep your gear and boat protected.
Marine Professionals
Coaches, instructors, and others who use boats for work need specialist cover.
Yacht & Sailboat Owners
For those with larger vessels - whether for private or commercial use.
Why Co-Pilot
Why Co-Pilot for boat and jet ski insurance - not just any broker
Marine insurance has more complexity than most people expect. Here's why a specialist broker gets you better cover than going direct.
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find marine cover that actually protects your vessel and how you use it - not the first policy in the catalogue.
Insurer relationships that open doors
Access to 90+ insurers, including those with specialist marine appetite for older vessels, high-performance watercraft, and commercial use that standard insurers won't cover on preferred terms.
Honest advice on agreed value and what's actually covered
Agreed value vs. market value, whether your trailer and accessories are included, and whether your water sports activities are covered - we work through the details so there are no surprises at claim time.
Clear communication, no surprises
We explain your policy in plain language, review it at renewal, and are available when you need to make a claim - not just when you sign up.
With Co-Pilot Finance & Insurance, you're not just getting a policy - you're getting a partner that's got your back on the water.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Boat & Jet Ski Insurance
Your vessel represents serious value.
Let's make sure it's properly covered.
Co-Pilot compares boat and jet ski insurance across 90+ insurers to find cover that protects your vessel, your gear, and your liability on the water - tailored to how you actually use it.