Top tips for boating in winter

Top tips for boating in winter
winter boating

Boating in winter requires careful preparation to ensure a safe experience. Follow our tips to ensure you stay safe on your watercraft during the winter months. Coast Insurance offers comprehensive marine insurance for your boat, medical expenses, and liability. Choose Coast Insurance for peace of mind while navigating the winter waters. Contact us today. 

Top tips for boating in winter 

Boating in winter can present unique challenges and requires careful preparation to ensure a safe and enjoyable experience. From unpredictable weather conditions to colder temperatures, it’s crucial to take necessary precautions. This section provides valuable tips to help you navigate the waters during the winter months. 

Keep an eye on the weather 

Australian winters can be unpredictable, with weather conditions shifting rapidly. It’s essential to check the weather forecast regularly, not only on the day of your trip but also in the days leading up to it. Apps and websites like the Bureau of Meteorology provide accurate and up-to-date maritime forecasts. Boat insurance plays a vital role here, providing coverage for damage caused by sudden severe weather, making your boating journey a little less unpredictable. 

Pre-winterise your boat 

Before the winter sets in, have a thorough check-up of your boat. This includes checking the engine, hull, and propellers, along with the boat’s battery and heating system. Be sure to look out for any leaks, as trapped water can freeze and cause damage.  

Load up on safety equipment 

Essential safety equipment like life jackets, fire extinguishers, VHF radio, flares, first aid kit, and an EPIRB (Emergency position indicating radio beacon) should be present and functional. In a worst-case scenario, these items could save lives. Coast Insurance will factor in the experience and presence of safety equipment when calculating premiums.  

Master navigation and marine laws 

Winter often brings reduced visibility due to fog, rain, or early nightfall. Knowing how to use navigational aids like GPS, radar, and AIS (automatic identification system) can help immensely. Knowledge of marine laws, including speed limits and right-of-way rules, is equally essential.  

Prepare for shorter days 

Winter days are shorter, and getting caught in the dark can be dangerous. Plan your trips to make the most of daylight hours and always have functional lighting systems onboard. This is another instance where insurance is key, as it can help cover costs associated with nighttime incidents. 

Secure comprehensive boat insurance 

Despite all precautions, unexpected incidents can happen. Boat insurance becomes your safety net in such scenarios, covering damages to your boat, medical expenses from injuries, liability if you damage other boats or property, and sometimes even salvage and towing expenses.  

How can Coast Insurance help? 

Rooted deeply in our origins as Trident Underwriting, Coast Insurance proudly represents the evolution of over 27 years of experience in the insurance industry, most notably in marine insurance. Our evolution doesn’t mean we’ve left our roots; instead, we’ve broadened our horizons, transforming into a multi-class underwriting agency, while still retaining a significant focus on marine protection, given our strong maritime heritage. 

The rebranding as Coast Insurance is not merely a change in name. It symbolises our commitment to the protection and preservation of the cherished Australian lifestyle. Much like the actual coastline safeguards our land from the ocean’s forces, Coast Insurance strives to shield Australians’ way of life against unforeseen circumstances. This includes ensuring your boating adventures, particularly during the challenging winter months, are covered against any unexpected risks. 

With a wealth of knowledge and deep-seated expertise in the insurance industry, Coast Insurance is well-positioned to understand the unique needs of every Australian. Be it for your winter boating endeavours or other facets of your life, our team of insurance experts works diligently to provide tailored solutions that best suit your individual circumstances.  

Coast Insurance offers a comprehensive range of insurance options to cover everything from boat damages and medical expenses to liability coverage and more. Our robust boat insurance policies provide complete protection, allowing you to sail with peace of mind regardless of the season. 

We go beyond insurance coverage by actively promoting safe boating practices and encouraging the use of safety equipment and participation in boating safety courses. As a testament to our commitment, we often offer lower insurance premiums to reward responsible boaters. 

As your reliable partner, Coast Insurance is dedicated to safeguarding your way of life. We remain true to our maritime heritage as we continue to grow and evolve, providing Australians with the right insurance solutions. With Coast Insurance, you can confidently navigate the winter waters, knowing that your security is our top priority. 

Types of insurance offered by Coast Insurance 

Coast Insurance offers comprehensive coverage for pleasure craft, paddle craft, personal watercraft, commercial vessels, and private jetties and commercial marinas. 

Pleasure craft  

Coast Insurance offers two types of pleasure craft insurance: comprehensive insurance, which includes third-party liability and personal accidents, and third-party liability only. 

Key features: 

  • New-for-old replacement for total loss on crafts under a year old. 
  • Up to $1,000,000 coverage for both pollution liability and wreck removal. 
  • Accidental damage coverage for motors up to eight years old. 
  • Extensive coverage for equipment, accessories, and onboard household contents. 
  • Costs coverage for preventive actions during vessel difficulties. 

It also provides emergency assistance such as fuel delivery, medical evacuation, vessel return, temporary accommodation, and home transport. Coast Insurance’s Pleasure Craft Insurance is designed to protect various types of crafts and lifestyles, providing tailored, robust coverage. Learn more about our pleasure craft insurance and what is offered in our comprehensive policy. 

Paddle craft  

Coast Insurance offers comprehensive coverage for paddle crafts. This encompasses loss or damage, third-party legal liability, and personal accidents. 

Key features: 

  • Local security and claims authority. 
  • Comprehensive coverage available. 
  • New-for-old replacement for crafts less than three years old that experience total loss. 
  • Coverage for equipment and accessories up to $10,000 with a limit of $1,000 per item. 

The policy caters to various types of paddle crafts such as kayaks, canoes, windsurfs, and stand-up paddleboards. This comprehensive coverage is designed to protect your unique needs and lifestyle. Learn more. 

Personal watercraft 

Coast Insurance provides specialist coverage for personal water crafts. This includes cover for loss or damage, third-party legal liability, and personal accidents. 

Key features: 

  • Local security and claims authority. 
  • Comprehensive coverage available. 
  • New-for-old replacement for water crafts less than a year old experiencing total loss. 
  • Cover for water ingress without physical damage. 
  • Pollution liability covers up to $1,000,000 for accidental pollutant discharge. 

Coast Insurance caters to privately owned and operated personal watercraft (jet skis). This coverage aims to protect your lifestyle and needs. This policy also includes emergency assistance like land towing, search costs, and returning the craft to home or usual mooring place. Read more 

Commercial vessels 

Coast Insurance offers comprehensive insurance for a range of commercial vessels, providing cover for damage, various liabilities, and even recovery or removal of wrecks. 

Key features: 

  • Coverage for recovery or removal of wrecks up to $1,000,000. 
  • Transit cover provided the vessel is towed on its own trailer. 
  • Costs for taking action to minimise loss or remove to safety during vessel difficulties. 
  • Coverage for fishing and diving equipment, if agreed in writing. 
Comprehensive coverage: 
  • Vessel damage: Covers accidental damage, theft, sinking, storm damage, malicious damage, fire, and repairer negligence. Components such as hull, machinery, equipment, sails, masts, spars, rigging, trailer, and tender are included. 
  • Third-party liability: Covers legal liabilities for accidental damage to others’ property, accidental death or bodily injury to others, and berth holders liability. 
  • Passenger liability: Covers death, bodily injury or illness to a passenger while onboard, entering or leaving the vessel, and damage caused by food or drink prepared and served by the policyholder. Also covers damage to a passenger’s personal effects. 
  • Pollution liability: Covers physical damage caused by accidental spillage or leakage of oil, petrol, or sewage from your vessel. 

Learn more about Coast Insurance’s commercial vessel policies. 

Private jetty and commercial marinas 

Coast Insurance provides comprehensive coverage for private jetties and commercial marinas, including accidental damage, fire, storm, flood, and malicious damage to structures. Winter is critical for protecting against increased risks of accidental damage caused by weather events. With Coast Insurance’s comprehensive cover, your private jetty or commercial marina is safeguarded against these winter-related risks. Read more. 


Boating in winter can be a rewarding experience with the right preparation and precautions. By following these tips and securing comprehensive boat insurance from Coast Insurance, you can navigate the winter waters with confidence. Protect your boat, yourself, and your loved ones from unforeseen risks. Contact Coast Insurance today to sail with peace of mind throughout the winter season and beyond. 

Looking for a Quote?

Choose the best option below to find the Market Leading Products to suit your needs

customer quote

For Boats, Personal Water Craft & Sports Craft


For Boats, Personal Water Craft & Sports Craft

Various retail and commercial products including package solutions

general enquiry

Talk to the team at Coast Insurance for more options