The K'gari (written 'Kgari' in older sources) is another of the historic hulls placed on the Roy Rufus Artificial Reef. Marinelife.org.au lists the Kgari with the date 1897, and the Fraser Coast diving guide gives the hull's depth as about 16 m. Hervey Bay Dive Centre includes the 'K'Gari Wreck' in its local wreck-dive trips. The name is the Butchulla name for Fraser Island, which lies just across the strait.

More than a century old and several decades underwater, the hull is heavily broken down and encrusted, forming a low reef on the sand. The growth of soft corals, sponges and ascidians supports scorpionfish and stonefish, nudibranchs and crabs, and bigger residents – wobbegongs, stingrays, gropers, coral trout and turtles – move between the K'gari and the other structures on the reef.

Diving here follows the reef's rules: go at high-water slack, expect around 5 m of visibility, and don't stray from the hull. There is no documented penetration, and the age of the structure makes entry inadvisable anyway.

The K'gari is best done as part of a two-dive local trip with the 3 Ships or the Goori, giving a sense of how the reef's old wooden and steel working boats have become habitat. It suits Open Water divers with a guide and photographers interested in macro life. Because the hull is low and broken, it is easy to swim past it in green water; descend the line all the way to the structure and keep it in sight for the whole dive. Nudibranchs, flatworms and small crabs are the rewards for a slow, close inspection of the encrusting growth, and wobbegongs are often tucked against the hull.

Hervey Bay's boat dives leave from Urangan Boat Harbour (Great Sandy Straits Marina / Boat Club Marina, Buccaneer Drive, Urangan), at the eastern end of Hervey Bay's Esplanade about 10 minutes' drive from Pialba; there is free parking at the marina and a public boat ramp in the harbour. Hervey Bay Dive Centre runs its local wreck and reef trips from here. The Roy Rufus Artificial Reef lies off the eastern side of Big Woody Island, about 4.5 nm east of Urangan Harbour – 15-20 minutes by boat.

Individual structures are marked by GPS; anchor in sand beside them, never on the wrecks. Departure times are set to reach the site at high-water slack.

Hervey Bay lies in the lee of K'gari, so ocean swell is rarely a problem; the limits are wind, tide and visibility. South-east trades over about 15-20 knots kick up a steep, short chop across the bay, and strong northerlies do the same in summer. Tides in the Great Sandy Strait run hard, so dives are timed for high-water slack – the Roy Rufus reef is dived only around high tide – and neap tides give the calmest water and best visibility.

Visibility is modest, typically 5 m and rarely above 10 m, and drops further after rain when the Mary River and creeks discharge into the bay (December-March). Winter (June-October) is generally calmer and clearer, and coincides with humpback whale season.

Descend the line to the hull at high-tide slack and circle it at 16 m, then work up over the top. Keep close to the structure in the low visibility and return to the line before the tide turns.

Hervey Bay Dive Centre (Urangan Harbour) – 'Local Wreck Dives' trips to the Roy Rufus Artificial Reef and nearby sites (Goori, 3 Ships, K'gari, Iron Maria, Hardie and Simpson reefs, Snapper Grounds, Moon Ledge) on demand, timed to the high-tide slack; private boats also use the site.