Terms and Conditions

Topsail Insurance Pty Ltd - Terms of Use (the "Terms")

Topsail Insurance maintains the http://www.topsailinsurance.com.au website.

Please read the following information carefully before using our website. If you do not agree to be bound by these Terms you must stop using this website immediately.

1. Changes to Terms
We reserve the right to make any changes to these Terms at any time. Please check this page regularly for any changes.

2. Privacy Policy
We are committed to safeguarding the privacy of our customers. Please refer to our policy in relation to privacy and how we use any data you supply us.

3. International Use
We do not maintain that materials on our website are appropriate or available for use in locations outside Australia and accessing our website from territories where its contents are illegal or unlawful is prohibited. If you choose to access our website from locations outside Australia, you do so on your own initiative and are responsible for compliance with local laws.

4. Access to our website
Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet - whether from us to you or from you to us.
Due to the nature of the internet and the fact that your access to our website involves features outside our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use the 'contact us' facility on this website.

5. Intellectual property
Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website. You may not copy or distribute our website, except for your own personal use, in whole or in part, without our prior written consent. You may not use images or trade marks without our prior written consent. Other product and company names reproduced on our website may be the trade marks (registered or otherwise) of their respective owners.

6. Hyperlinks
You may not create a hyperlink to this website without our prior written consent. In order to provide you with the best web-based service, we have included within our website several links to other websites. We cannot be responsible for those websites and their content which are beyond our control and we make no representation as to their quality, suitability, functionality or legality and you waive any claim you may have against us with respect to such websites. 7. Disclaimer
Whilst we have taken all reasonable care to ensure the information contained within these pages is accurate we do not guarantee the accuracy or completeness of any information contained on or provided in connection with our website. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with our website. You are responsible for the security of any data which you transfer to or from our website.
We shall not be responsible for any loss or damage caused, directly or indirectly, by your use of our website or the information contained on our website.

8. Miscellaneous
These Terms are subject to the laws of Western Australia. If any dispute arises connected with you using our website, it will be dealt with by the courts of Western Australia.

9. Contact details
Head Office: P.O.Box 48, South Fremantle, Western Australia, 6162
Telephone: +61 8 6102 8861
Email: enquiries@topsailinsurance.com.au
Website: www.topsailinsurance.com.au

Topsail Insurance Pty Ltd is authorised and regulated by the Australian Securities & Investments Commission (AFSL: 467369)
Registered in Australia ABN: 69 169 907 760 Registered Address: 260b Preston Point Road, Bicton, Western Australia. 6157

Once you have lodged the claim

  • You may be asked to obtain estimates for repairing any damage; and/or
  • to obtain quotations for the replacement of any items lost or destroyed.
  • Any estimates or quotations should be sent to your claims contact to inspect and/or investigate. Except in an emergency or to prevent any further damage, repair instructions should not be given without our prior agreement.
  • When you are satisfied with the repairs, the invoice should be paid by you and the receipted invoices should then be forwarded to the Claims for payment to you.
  • For more information regarding the claims process, please see the Product Disclosure Statement that was provided with your documentation or available in the Document Hub section of our website.

Yacht / Motorboat claims procedure for all policies starting after 1st January, 2019

  • By Email: claims@topsailinsurance.com.au
  • By Post: The Catalina Anchorage, 1/235 Spit Road, Mosman. NSW 2088
  • By Telephone: Sydney: 02 9188 78 28 Perth: 08 6102 8861
  • DAMAGE CLAIM - Please complete and return the claim form when notifying us of your claim Damage Claim Form.
  • THEFT CLAIM - Please complete and return the claim form when notifying us of your claim Theft Claim Form.
  • The claim form should be returned to Topsail, fully completed, as soon as possible whether or not you intend to make a formal claim
  • We will pass this information on to The Argenta Group who will deal with your claim and contact you directly.
  • If you prefer to send it directly to Argenta then please send it to:  2121AUAClaims@argentagroup.com

Amlin Yacht / Motorboat claims procedure for all policies starting before 31st December, 2018

  • By Email: boatclaims@msamlin.com
  • By Post: MS Amlin 11 Tower View, West Malling. Kent UK ME19 4UY
  • By Telephone: +44(0) 1732 223610
  • If you require URGENT assistance outside of office hours please call +44 (0) 208 502 6999
  • This number will be available between the hours of 5pm and 10pm GMT on weekdays and between 8am and 10pm GMT on weekends and bank holidays. Out of these hours there is a voicemail facility which is monitored regularly
  • For more information regarding the Amlin claims process, please visit page 8 of the Amlin Product Disclosure Statement
  • DAMAGE CLAIM - Please complete and return the claim form when notifying us of your claim Damage Claim Form.
  • THEFT CLAIM - Please complete and return the claim form when notifying us of your claim Theft Claim Form.

Helpful Claims Advice

  • When loss or damage occurs you should act as if uninsured. This may seem unusual advice but it is most important that in the event of any incident involving your vessel, you must take all reasonable steps to minimise the loss.

Own Damage

  • Take immediate action to safeguard and protect any property from further damage or deterioration (this may include first aid to the engine).
  • Enlist help (professional if necessary) if immediately required to safeguard and protect your boat and equipment.
  • Try to agree a realistic charge or fee if a tow is required before acceptance.
  • Retain and look after all broken/torn/damaged items for inspection.

Damaged by a Third Party

  • If racing, protest the Third Party if they did not accept a penalty. Obtain witness(es) statements.
  • Obtain details of boat type/class/number/name/club and any witness(es) details in addition to the name(s) and address(es) of the helm and boat owner.
  • Road Accidents - obtain details of the driver, vehicle and insurer and any witness(es), and/or call the Police to the scene. If possible write down all the details and make a sketch of the site.

Damage to Third Parties

  • If a Third Party wishes to hold you liable for damage, provide them with our details, your name, policy number and boat details. You should acknowledge any correspondence and pass it on to us immediately.
  • Do not make any admission of liability and do not make any offer of payment.


  • Any theft or malicious damage should be reported to the Police promptly.
  • Keep a note of the Police Crime Reference Number.
  • We will also need the serial numbers of any engines, tenders etc.
  • Notify your club and local harbour master with full details of the theft/vandalism.
  • This Helpful Claims Advice section is intended to provide some guidance should you have to submit a claim under your policy. It does not form part of any policy wording or give any indication of acceptance of a claim

Useful Information

  • Please remember that the repair contract is between you and the contractor. Any instructions regarding either repair or replacement must come from you. However you must seek our agreement in the first place.
  • The claim may be subject to deductions in addition to any policy excess and the clauses in your policy wording should be read carefully so that you are fully aware of these (e.g. sails, covers and outboard motors).

Looking for a document? You’ll find it here.