Boat &
Jet-Ski Insurance

Protect against unexpected damage

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4.8 5 stars
Based on 900 reviews

Marine Boat & Jetski Insurance

If you love the freedom of riding a jet ski or spending weekends on the water, having the right insurance makes every trip feel safer. At 360 Finance, we help Australians compare jetski insurance, jet ski insurance and marine boat insurance so you can choose cover that suits the way you ride or cruise. Instead of one generic policy, we guide you through options designed specifically for watercraft, giving you protection that matches your lifestyle and your vessel.

Standard policies rarely cover the risks of being on the water. Storms, theft, collisions and unexpected damage can lead to costly repairs. With purpose-built insurance for a boat or personal watercraft, you get protection designed specifically for your vessel. We explain how each policy works and help you choose the level of cover that makes sense for your needs.

If you ride often or use busy waterways, we can guide you through jet ski insurance Australia options that fit your usage and budget. Boat owners can review boat insurance ski and broader marine policies for fishing boats, cruisers, runabouts and sport vessels. We also help you explore features such as agreed value, market value, lay-up periods and accessory protection.

Our focus is on keeping the process simple. We take the time to understand how you use your vessel and compare policies from trusted insurers, giving you clear information and helpful support from start to finish.

If you also need finance, you can explore our boat loans or jetski loans pages to compare structures and estimate repayments. No matter how you use your vessel, we are here to help you secure the right cover and feel supported every time you head out on the water.

Boat and Jetski Insurance Frequently Asked Questions

What types of vessels can I insure with marine insurance?

Most marine insurance policies cover a wide range of vessels including boats, jet skis, fishing boats and runabouts. You can insure both new and used boats as long as the vessel meets safety conditions. If you used finance to buy your boat or jet ski, you can also explore boat loans or jetski loans to understand what type of cover your lender may require.

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What does marine insurance usually cover in Australia?

Most policies include cover for accidental damage, storms, theft, vandalism and liability. Optional extras such as trailer cover and accessories cover can be added. We help you compare boat insurance Australia policies so you can choose a level of protection that matches how you use your vessel.

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Can I get insurance for a used boat?

Yes. Many insurers offer used boat insurance if the vessel is in good condition. You may need to provide photos or a condition report. If your boat was financed, you can review requirements through our boat loans page. We can help you compare options suited to second hand vessels.

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Do I need insurance if I used finance to buy my boat or jet ski?

If your loan is secured, lenders usually require full boat insurance or jet ski insurance to protect the vessel. If your loan is unsecured, insurance may not be required but is still recommended. You can also use our boat loan calculator to plan your repayments. Our team explains your lender’s requirements clearly.

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What affects the cost of marine insurance in Australia?

Premiums depend on the vessel type, age, value, storage, usage and your experience. Jet skis may cost more due to higher risk during use. We compare a wide range of marine insurance and jet ski insurance policies so you can find cover that suits your budget.

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How quickly can I get a quote or policy?

Most people can receive a quote on the same day. If your details are clear, your policy can usually be issued quickly. Larger or commercial vessels may take longer. Our team helps you compare quotes fast so you can get insured and back on the water sooner.

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What if my boat or jet ski is not being used during winter?

Many insurers offer a lay up option that reduces your premium while the vessel is stored. Your policy may still cover theft, fire and damage during this time. We help you choose marine insurance that suits both active and off season periods.

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What is the difference between personal and commercial marine insurance?

Personal insurance covers leisure use such as fishing and cruising. Commercial marine insurance is for vessels used for work activities such as tours or rentals. It includes different limits and cover types. Whether you need personal or commercial cover, we help you compare policies in simple language.

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Does marine insurance cover trailers and accessories?

Many insurers include some cover for accessories such as covers, anchors, GPS units and safety gear. Trailer cover may be included or offered as an optional extra. We help you choose marine insurance that includes the extras you need.

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How do I make a claim if something goes wrong?

First make sure everyone is safe, then take photos and record what happened. Contact your insurer to start the claim process. They may ask for quotes or a report. Our team can help explain your policy and guide you if you need support.

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We Work with the Most Trusted Aussie Lenders and Insurers

Our lender network allows us to secure the best rates for you, every time.

Aussie Credit
Pepper Money
Suncorp
Latitude
Westpac
Resimac
ANZ
AMMF
NAB
Now Finance
Volkswagen Financial Services
Commonwealth
Liberty
Money3
Money Place
CIL

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