No need to come to Vic. See an insurance agent at Coast Capital Credit Union.
Ask them to quote you on a policy from Royal & Sunalliance.
I've got a 19-footer insured from stem to stern (non-declining replacement value) hull & machinery (and kicker) with basically no limitations on coverage and a $2-million water-skier policy included.
Depending on the size of boat, where you store it etc... you can also get a rider put on your home policy. Had that initially for a trailered boat we had that was stored in the driveway. Talk to your favourite insurance broker -- they can get you the best deal.
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