What contents are covered under Boat Insurance?

You can apply for an International Driving Permit online through the NRMA*. If you need it urgently, you can use the Priority Service by applying in person at any Service NSW centre.

* National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as the NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. “NRMA” provides Roadside Assistance Membership, the “My NRMA Rewards app” and other road, travel and rewards products and services.

There are a few different ways to cancel your policy depending on which policy you have.

Car insurance

You can cancel your car insurance in the NRMA Insurance App. You can also cancel your car insurance by logging into your online account and then:

• Finding your policy and select View Policy
• Going to the Cancel Policy section and select Cancel Policy.

Green Slip

To cancel your Green Slip, see How do I cancel my NSW CTP Green Slip?.

Other policies

To cancel any other policy, contact us.

SGIO or SGIC customers

If you’re an SGIO or SGIC customer:

• Talk to us on web chat, or
• Call us on 133 233.

Don't have the app?

If you don’t have the app, you can:

• Download on the App Store, or
• Get it on Google Play.

If you have a Comprehensive or Comprehensive Plus policy and there's been loss or damage to your car (as a result of an incident we cover), you're covered for:

• Personal items (up to $1,000)
• Baby capsules and child seats
• Tools of trade (up to $1,500, provided you can show us you've been using your tools to earn income).

If you have a Comprehensive Basics policy, you're covered for baby capsules and child seats, but no other personal items. For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

General contents are items you keep in and around your home that aren't permanently attached or fixed to the home's structure, for example furniture.

Valuable contents are covered as part of your general contents, however the cover is limited to $2,500 for each category below.

• Works of art
• Music, games and movies
• Collections
• Jewellery and watches

Under valuable contents, you can choose to insure these items inside your home for more than what would normally be paid out.

Portable contents are items that you or your family own that you can take outside of your home.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

The sum insured applies to all elements we’ve agreed to insure on your boat. It covers the hull, listed motor(s), equipment and accessories that come with your boat, boat tender (dinghy) and trailer.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS).

• We can organise for most items to be repaired or replaced through our suppliers
• We'll arrange for items to be replaced and have them delivered to your home
• We can also provide you with a store credit card for one of our suppliers, or send the funds to you

When we replace goods for you we consider the original item and its specifications.

If that same item is available we'll attempt to source this as a replacement for you.

If the same item isn't available we'll attempt to obtain a replacement that's equivalent to the item based on the features and specifications of the product.

By adding lay up cover you may reduce your premium (and the cover we provide) for an agreed time while you're not using your boat.

We cover your boat in the lay up period you choose. You can't use your boat in that time and you must keep it securely on a trailer or dry stored at the address shown on your policy.

We also cover your boat in the lay up period if you're taking your boat for a scheduled service or to be repaired.

If you want to use your boat during the lay up period, we'll only cover it if:

• You tell us you're going to use it
• We agree to cover you for that use, and
• You pay us any additional premium that applies.

Portable Contents cover is an optional cover for items that you take out of the home with you (like jewellery and watches, your mobile phone or sporting equipment). When you add Portable Contents cover, your things are covered if they’re lost, stolen or accidentally damaged anywhere in the world (limits apply).

You can cover your portable contents as part of your Contents Insurance.

A portable contents excess may apply, read the Premium, Excess and Discounts Guide.

For more details on Portable Contents cover:

• Talk to us on web chat
• Read the Home and Contents Product Disclosure Statement on policy booklets.

If you have Comprehensive Motorcycle cover, we will replace your helmet if it's lost or damaged in an incident we cover.

For an extra cost, you can choose to add the option of cover for protective clothing (e.g. jacket, trousers, boots and gloves) to your policy.

If you have Comprehensive cover, we also cover you personal items, for up to $1,000 in total.

Personal items we will not cover include, mobile phones, cash, and property used for earning an income.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

For more information, read the PDS.