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Sailboard Policy

Please check that your policy is correct

This Insurance is subject to English Law and Jurisdiction

Mr A Sample having made a proposal and declaration to for the Insurance of Sailboard equipment valued at
£2,000 and the premium having been paid to for the period DD/MM/YYYY to DD/MM/YYYY and any
subsequent period that you pay the agreed premium, we will indemnify you as provided subject to the exceptions,
conditions, limitations, definitions and warranties contained in this policy, such conditions being precedent to our

• You/your/yours = The policyholder
• We/us /our/ours =
• Sailboard = Sailboard(s) and associated equipment, details as lodged with us by you.
Territorial scope:

• Whilst ashore or in transit or afloat on inland and coastal waters of the United Kingdom and Ireland, and for a period
not exceeding 30 days in any one period of insurance in Europe
Loss or damage to the Sailboard:

We will at our option pay for, replace or make good loss of or damage to the Sailboard subject to the following limitations:

• £2,000 in the event of actual total loss or other loss or damage where the repair and or replacement and or recovery
costs exceed this figure.
• In the event of partial loss or damage the reasonable cost of repairing or reinstating the damaged or lost part, but not
exceeding £2,000.
• In the event of loss or damage to sails which are more than three years old and replacement is recoverable we will pay
two thirds of the replacement cost.
We will not pay loss or damage claims for:

• Wear and tear, deterioration and depreciation from use.
• Theft of the Sailboard unless such theft follows forcible entry or removal by force or theft from car roof rack when
unattended, unless fitted with and secured by an anti theft device in addition to its normal method of attachment.
• Theft of the Sailboard unless such theft follows forcible entry or involves removal by force.
• Personal Effects.
• Repairing or replacing any defective part condemned solely in consequence of a latent defect or error in design or
• The cost of making good any defective workmanship.
Salvage charges:

• We will pay for all Salvage Charges and necessary expenses incurred in minimising or averting a loss that would form
a claim under this policy.
Claims by third parties:

• We will indemnify you in respect of claims made and law costs incurred by third parties for which you will by reason of
your interest in the Sailboard become legally liable to pay and shall pay for death or injury to persons or damage to
property up to £5,000,000 in respect of any one accident (which shall be deemed to include a series of accidents
occurring in connection with or arising out of any one event) but unlimited in the aggregate.
• This cover will extend, subject to the terms and limitations to any person in charge of the Sailboard with your permission.
• We will be responsible for law costs incurred in settling or defending any claim providing we have given written consent.
We will not pay claims by third parties for:

• Accidents to or illness of any persons employed in any capacity whatsoever by you in on or about or in connection with
the Sailboard.
• Accidents whilst the Sailboard is in transit by road.
General Exclusions:

We will not pay for:

• Claims whilst the Sailboard is let out on hire or charter or used for other than private purposes.
• Loss or damage occurring whilst left afloat when not in use.
• The legal costs of defending any criminal prosecution or the payment of any fines or other penalties.
• Claims arising from your reckless actions, or those to whom this policy extends.
• The first <excess> of any claim.

• You shall maintain and keep the Sailboard including any trailer in a proper state of repair and seaworthiness or
roadworthiness and shall at all times exercise due care and diligence in safeguarding it.
War exclusion:

• In no case shall this Insurance cover loss damage liability or expense caused by war, civil war, revolution, rebellion,
insurrection or civil strife arising therefrom, or any hostile act by or against a belligerent power capture, seizure,
arrest, restraint or detainment (barratry and piracy excepted), and the consequences thereof or any attempt thereat
derelict mines, torpedoes, bombs or other derelict weapons of war.

Nuclear exclusion:

• In no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by or
contributed to by or arising from ionising radiations from or contamination by radioactivity from any nuclear fuel or
from any nuclear waste or from the combustion of nuclear fuel the radioactive, toxic, explosive or other hazardous or
contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof any
weapon of war employing atomic or nuclear fission and/or fussion or other like reaction or radioactive force or matter.

• This insurance may be cancelled by you online at within the policyholder pages of the website, or
by us by e-mailing you and obtaining a receipt to said e-mail.
Conditions relating to Claims:

• Notice shall be given to us by e-mail or by telephone (see "How to Contact Us" below) as soon
as possible in the event of any occurrence which may give rise to a claim under this insurance, and any theft or
malicious damage shall also be reported promptly to the Police.
• We shall be entitled to decide where repairs shall be carried out and may require a number of quotations.
• You will give us full information of the circumstances of the incident and of all claims made, with names and addresses
of claimants and all witnesses of the accident, as soon as possible after the occurrence or receipt of claim or notice of
• No liability shall be admitted nor any offer, promise or payment made by you to claimants nor legal expenses incurred
without our written consent. We shall be entitled to take over, and conduct in your name, the defence of any action.
• You will send to us as soon as possible all claims, letters, summonses, writs, relating to any accident.
• In the event of any claim arising which is also recoverable under any other insurance, we shall not be liable for more
than our due proportion of such a claim.
• We may reinstate or replace any part of Sailboard, 'BoatNameHere' damaged or destroyed instead of paying the amount
of the loss or damage, or may join with other Insurers in so doing. Reinstatement effected as nearly as reasonably
practicable to be deemed sufficient even though the former appearance and condition of the property may not be
precisely restored. If we elect to reinstate or replace you will furnish to us all such plans, specifications and
information as we may deem necessary or expedient for the purpose.
• You will give us all possible assistance in obtaining information and evidence if we decide to take proceedings to
recover monies or to secure an indemnity from any third party in respect of anything covered by this insurance.
• Any false statement or document submitted in support of a claim by anybody acting for you will result in the policy
benefits being void.
How to contact us:

• The entire administration of your policy can be carried out online at where you can:
• Within the Policyholder pages, change your details, the boat details or payment method

• Within the Claims pages, submit a new claim or track the progress of an existing claim

• Please email us at, or if required use the TELEPHONE HELPLINE 0345 2607 888, to
advise us about changes required to your policy and general administration matters.
• Only to report or discuss a claim use our 24 hour specialist claims hotline 0345 2607 999 (this number is for
CLAIMS ONLY - please use the admin helpline ending 888 for all other queries).
On behalf of Craftinsure Limited trading as, Underwriting Agents for Navigators & General
Insurance Company Limited (members of Zurich Financial Services Group)
Navigators & General are registered in England & Wales No. 173444. Registered Office The Zurich Centre 3000
Parkway Whiteley Fareham Hampshire PO15 7JZ
Authorised and regulated by the Financial Services Authority