Is the separation required because of the risk of chafing or induction of current from one to the other - or both?
I have some 12v & 240v cables which cross paths where I installed the 12v cables, but they are well protected, and a couple of places where they run alongside each other for about 4ft, but I put the 12v cables inside aluminium conduit. My boat is 19 years old and fitted out and examined to BSS standards. My mains consumer unit box with selector switch also has some 12v cables inside for the diesel heater control. That was done by the builder so I'm not sure where else they may not have separated cables. I guess if it hasn't self-destructed after all this time then it's fine.
Running mains or 12v cables under the gunwales is also an option. Sometimes having sockets higher is actually more convenient and you could always get them with a gold or silver decorative finish instead of white if that looks better. Or have the 12v cables at gunwale height.