Boat Insurance Quote
Existing Boat Insurance
Boat Insurance Claims
About Craftinsure
Boat Insurance Links
Boat Insurance FAQs
Craftinsure Boat Insurance
Boat Insurance in the UK
Boat Insurance in Ireland
Assure Mon Bateau Pas Cher
Log In
summary

Click return to our homepage once you have finished reading the summary of cover

This provides a summary of the main features and limitations of the Craftinsure range of policies which are specifically designed to cover pleasure craft and protect pleasure craft owners against legal liability they may incur. Our policies are underwritten by Zurich Insurance plc. For full terms and conditions, please view our Specimen Policies or contact us for further details.

Duration
The policy normally runs for 12 months and is renewable annually.

Governing Law
Policies are governed by the law that applies to where you reside within the United Kingdom. If there is any disagreement about which law applies, English Law will apply. You agree to submit to the exclusive jurisdiction of the courts in England and Wales. Unless otherwise agreed, we will communicate with you in English.

Applicable to all policies:
(See additional terms for Smallcraft, Racing Dinghy, Speedboat , RIB, Dayboat and Keel Boat, and Racing Yacht policies listed below).

The policies cover (see heading 'We will pay for€¦.')
• Loss or damage to the vessel and associated equipment as agreed up to the total value insured due to external accidental means, fire, explosion, negligence, malicious acts and other causes specified in the policy.
• Theft of the vessel, or of equipment provided the theft follows forcible entry or removal by force.
• Loss or damage whilst in transit by road within the UK for vessels up to 30'.
• Claims against you by Third Parties up to a maximum of £3m any one event.

The policies do not cover (see heading 'We will not pay for€¦')
• Wear and tear, deterioration and depreciation
• Third Party claims whilst in transit by road
• Theft of outboard motors from the vessel unless attached with an anti theft device in addition to normal method of attachment
• Sails, covers or canopies lost or damaged by the wind.
• Loss or damage to the vessel or equipment caused by your recklessness or wilful misconduct
• The cost of making good any defective workmanship.
• Use of the vessel for anything other than private pleasure
• The amount of any Excess stated in the policy (doubled in respect of damage to under water gear for Tidal Motor Boats, Speedboats and RIBs).

Important policy conditions:
• The vessel and trailer must be maintained in a proper state of repair and seaworthiness/roadworthiness.
• Deductions for wear and tear apply in respect of sails and covers over 3 years old (see policy for specific details).
• You must exercise due care in safeguarding the vessel and equipment.
• You must be able to supply the serial number of your outboard engine.

Additional terms applicable to Smallcraft, Racing Dinghy, Speedboat and RIB, Dayboat and Keel Boat, and Racing Yacht policies:

Smallcraft Policy
Cover also includes:
• Loss or damage whilst in transit by road or ferry vessel.
• Up to 30 days use on the Continent of Europe.
Cover excludes
• Personal effects other than lifejackets and buoyancy aids.
• Loss or damage whilst left unattended on moorings unless otherwise agreed.

Other important conditions
• The maximum speed does not exceed 25 mph (23 knots).
• The craft is not used for racing.
• The craft must be securely tied to the ground when left in a dinghy park.

Racing Dinghy Policy
Cover also includes:
• Full racing risks.
• Loss or damage whilst in transit by road or ferry vessel.
• Up to 30 days use on the Continent of Europe.

Cover excludes
• Personal effects other than lifejackets and buoyancy aids.
• Loss or damage whilst left unattended on moorings unless otherwise agreed.

Other important conditions
• The dinghy must be securely tied to the ground when left in a dinghy park.

Speedboat and RIB policies
Cover also includes
• Loss or damage whilst in transit by road or ferry vessel.
• Liability to and of waterskiers and wakeboarders.
• Up to 30 days use on the Continent of Europe.

Cover excludes
• Loss or damage whilst left unattended on moorings unless otherwise agreed.
• Theft of trailers or vessels left unattended on a trailer unless the trailer fitted with and securely locked by a wheel clamp and hitch lock.
• Liability resulting from towing of toys such as inflatable "donuts" or "ringos".
• Racing or speed trials.
• Personal effects other than lifejackets and buoyancy aids.
• Damage to propellers in use.
• Loss or damage by fire or explosion if fitted with inboard engine(s) unless fitted with automatic fire extinguishers.

Other important conditions
• The maximum speed does not exceed 50 mph (45 knots).
• An experienced person aged 20 or over is on board and in charge when in use.

Dayboat and Keelboat Policy
Cover also includes
• Loss or damage whilst in transit by road.

Racing Yacht Policy
Cover also includes
• Loss or damage to sails, masts and spars whilst racing, limited to 2/3rds of the cost of repairs or replacement.

Where to notify a claim
Email us at claims@craftinsure.com or call our claims helpline at 0845 2607 999.

Our Complaints Procedure
We aim to provide a high standard of service that will leave you no cause for complaint. However, if you feel we have not met the high standard you would expect of us, any enquiries or complaints regarding your policy may be addressed to complaints@craftinsure.com or by post to the Managing Director, Craftinsure Ltd, 31 Burnside, Sawbridgeworth, Hertfordshire, CM21 0EP. Alternatively please call us on 0845 2607 888.

If you are not satisfied with the handling of your complaint, please write to the Managing Director, Zurich Insurance plc, PO Box 848, Brighton BN1 3GQ.

In the unlikely event that we cannot resolve any difference between us, you may refer the matter to the Financial Ombudsman Service whose address is South Quay Plaza, 183 Marsh Wall, London E14 9SR. This is a free service and will not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint.

Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if we are unable to meet our obligations to you. This depends on the type of business and the circumstances of the claim. Non-compulsory insurance is protected in full for the first £2000 and then 90% of the remainder. Further information is available at www.fscs.org.uk or by contacting the FSCS on 020 7892 7300.

Cancellation Rights
Craftinsure.com can cancel your policy by sending you an email to which we obtain a receipt. You can cancel your policy via the policy holder part of the craftinsure.com website at any time. If you cancel and have paid an annual premium, you will receive a pro-rata refund of the premium paid less an amount not exceeding 10% of the annual premium in respect of administration costs incurred by craftinsure.com.
However, if you have made a claim during the currency of the policy being cancelled, then no refund is due.

return to homepage