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24/7 Claims

From the moment you need us until you’re back on the water, our dedicated team of claims specialists is here to help.

Counselling Services

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

Flexible Excess

Looking for another way to save on your insurance? Choose an excess that works better for your back pocket.

Boats are for relaxing.

So take the worry out of protecting yours with our comprehensive watercraft insurance.

Smooth Sailing.

Sail away knowing your watercraft is fully protected. Our comprehensive insurance covers damage caused to your watercraft as well as protecting you from having to foot the bill should it cause damage to someone else’s property.

It also covers you for a wide range of insured events, like fire, theft and severe weather events.

And while you're relaxing on the wide open sea, you can browse through all the offers available to you as a Youi customer. That's because this product gives you access to our YouiRewards™ program, giving you easy access to real savings for the things you love. Food, entertainment, hobbies and more – it’s about rewards for individuals.


Comprehensive policies include cover for accidental damage caused to the watercraft.

Cover for damage to the watercraft that is caused intentionally is included under Comprehensive cover.

Comprehensive policies include cover for accidental damage to the watercraft caused by a storm or flood.

Your watercraft is automatically covered for damage caused by fire.

We cover your watercraft for damage caused by theft or attempted theft.

Cover includes cover for damage to the watercraft caused by earthquake.

We’ve got you covered to the tune of $10 million for your legal liability, be it civil or reparation, to pay damages due to a claim for an accident that results in damage to someone else’s property.  There is also up to $1million cover for your legal liability to pay damages arising from accidental death or bodily injury.

If you use your watercraft for watersports and it results in injury or death to other people, including the person being towed, or causes damage to someone else’s property you’re covered up to $10million.

After an insured event we’ll pay the reasonable cost of salvaging the watercraft wreck as well as towing to a suitable place. We’ll also pay the reasonable costs to prevent further loss or damage.

If you’re involved in an insured event as a result of which your watercraft isn’t safe to use and you’re more than 100km from where the watercraft is usually kept, we’ll pay up to $1,000 for your emergency accommodation, transport or repairs.

If the keys to your watercraft are stolen, we’ll cover the cost of replacing the keys and recoding the locks.

If your watercraft’s signwriting is damaged due to an insured event we’ll pay up to $500 to replace it.

It’s not just your watercraft we’ve got covered in the event of an insured event; we’ll look after your contents inside it too. Comprehensive policies include up to $1,000 of cover and you also have the option to upgrade this cover to up to $1,000 per item.

If your watercraft suffers loss or damage due to an insured event we’ll cover up to $1,000 for any mooring cancellation or re-booking fees you incur.

If you sell or give away the watercraft and replace it with another one, the
replacement watercraft will be covered for up to 14 days from the date you
sell or give away the watercraft.

Need mental health services? Youi covers up to $1,500 per household member for counselling sessions after a claim.

Cover for $10,000 for death or $5,000 for personal injury if you are injured when using the watercraft.

If you're rescued from your stranded watercraft, we’ll pay $500 to an Australian rescue service if we also accept and pay a claim for damage to the watercraft.

Set a new ANSA (Australian National Sportfishing Association) fishing record and we’ll pay you $200.

What's optional?

We don’t expect our standard policy to suit everyone, which is why we offer optional extras like social sailboat racing and watercraft contents upgrade, so you can choose just the right amount of cover for your watercraft, and not an ounce less.

You have the option to include cover against loss or damage to your watercraft as a result of an insured event when it is being used in a social sailing race.

Upgrade your level of contents cover up to $1000 per item.