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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.

Flexible Excess

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

Counselling Services

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

Less time worrying. More time on the water.

Our third party fire & theft insurance covers you for fire, theft, earthquakes and damage to someone else’s property - so you can spend less time worrying and more time at sea.

Smooth Sailing.

You know better than to set sail without the right cover - whether it's sunscreen or your watercraft insurance.

Our third party fire & theft cover is a must-have if you're looking to protect yourself from fire, theft, earthquakes and damage your watercraft causes to someone else's property. It also comes with a few extra features - like cover for the cost of your locks and keys if they're stolen, and up to $500 in sign writing costs if its damaged in an insured event.

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 which has heaps of offers with our partners - just one more reason to set sail with us.


Under Comprehensive or Third Party Fire and Theft we cover your watercraft for damage caused by fire.

Cover for 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 $10million if your watercraft causes damage to someone else’s property.

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 that means you can no longer safely use your watercraft, and you’re more than 100km from where the watercraft is usually kept, we’ll pay up to $1000 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. Up to $1,000 of cover, up to $150 per item and you also have the option to upgrade this cover to up to $1,000 per item.

If you’re watercraft suffers loss or damage due to an insured event we’ll cover up to $1000 for any mooring cancellation or re-booking fees you incur.

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 so you can choose just the right amount of cover for your watercraft, and not an ounce less.

Upgrade the level of cover for your contents inside your watercraft up to $1000 per item.