Adding lay up months reduces your insurance premium by 5% for each month you nominate. Lay up can be added when taking out a new policy, or renewing a policy, however you can't add it mid-policy. Lay up refers to the months where you’re not using your boat (for example in winter), and it’s stored in an enclosed garage or shed, or behind walls, gates or fences. During lay up you’re still covered for fire, theft and storm damage at the storage location. Lay up also covers the boat whilst being moved to / from and whilst at a dealer or service centre for normal servicing and maintenance. If you'd like to use your boat during a lay up month, update your policy online, or call us on 1300 00 CLUB (2582) and pay any difference in premium.