So, I'm finally at the pointy end of getting my first keel boat and I'd like your input on insurance.

I'm wanting fully comprehensive on $23,500.00 in NSW and I've got 5 quotes ranging from over $2,000pa, two at around $1,300pa, and two that won't insure because 1) I live too far away from the mooring or 2) It's a swing mooring and not in a marina.

Am I being ripped off, or is $1,300 in the 'ball park' for a 10m long vessel?

Cheers
A future keel boater

Ballpark.

Note it's not about the value of the vessel. Have a look at the other threads where costs for recovery are quoted. Cost of re-float and removal is probably way more than 23K.