Craftinsure Boat Insurance Frequently Asked Questions
Explore the Craftinsure boat insurance FAQs below. If you are looking to get in touch, please visit our contact page.
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If you need help with your Craftinsure boat insurance, please visit our Craftinsure Contact Us page.
Here you can access your Members Area, start a live chat or find the best way to get in touch with our team.
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You can make a claim by contacting Navigators and General immediately of the loss, and in any event, within 30 days of its discovery by:
- Claim form: https://www.geounderwriting.com/navigators-and-general/claims-form
- Email: claims@navandgen.co.uk
- Telephone: 0344 274 3260
- Post: Navigators and General Nimbus House, Liphook Way, Maidstone, Kent, ME16 0FZ
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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.
The policies cover:
- 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.
- Claims against you by Third Parties up to a maximum of £5m any one event.
The policies do not cover:
- 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
- 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.
Please see the additional terms applicable to: Smallcraft, Racing Dinghy, Speedboat and RIB, Racing Yacht and Third Party Only Policies.
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Anyone will be insured to use the boat provided they have your permission to do so and as long as it’s not for hire or reward. Bear in mind that some policies have a minimum age of 20 for anyone to be in charge whilst in use.
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Yes but we are unable to cover your boat being sailed or motored single-handedly for a period exceeding 24 hours, our main concern being the ability to maintain an effective watch.
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We recommend fitting a purpose designed outboard lock that prevents the securing clamps being undone. For small engines a good quality padlock securing the metal clamps together would be acceptable whilst locking nuts would be recommended for large engines bolted through the transom.
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We consider Personal Effects to be items of a personal nature that you would not normally sell with the boat. An obvious example would be clothing.
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Our comprehensive policies include cover for damage whilst in transit by road within the UK (and whilst in continental Europe under some). Third party liabilities whilst on the road are excluded as these are covered by vehicle policies to comply with road traffic legislation.
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Our policies do not cover mechanical or electrical breakdown. For inland waterways craft in particular, it is usually possible to buy standalone products for call out services and breakdown costs, much as for cars.
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If you purchased your policy prior to 11/12/2024, you can amend the boat name in your policy online by logging into your account, then selecting your policy and using the Edit tab.
Simply enter the new name and ‘Save’.
You can log into your account at: https://www.craftinsure.com/log-in/
If you purchased your policy on or after 11/12/2024, please visit our Craftinsure Contact Us page to get in touch with our team.
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All of our policies are set-up to renew automatically. Up to 60 days prior to renewal we will email your renewal premium. Your policy will automatically renew unless you cancel it.
If you need to cancel your policy please log into your account at: https://www.craftinsure.com/log-in/
Then select your policy and select the cancel button.
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If your cover has already ended and you would like to reinstate cover then please create a new policy at: https://www.craftinsure.com/#quote
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If you purchased your policy prior to 11/12/2024, to update your payment card please log into your account at: https://www.craftinsure.com/log-in/
Then under "Your Options", select "My Payment Details" and click "Edit" to add your new payment details.
Finally, click "Save" to ensure your new payment details are stored.
If you purchased your policy on or after 11/12/2024, please visit our Craftinsure Contact Us page to get in touch with our team.
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If you purchased your policy prior to 11/12/2024, to update your personal details please log into your account at: https://www.craftinsure.com/log-in/
Then under "Your Options", select "My Details" and click "Edit" to add your new personal details.
Finally, click "Save" to ensure your new personal details are stored.
For policies purchased on or after 11/12/2024, please visit our Craftinsure Contact Us page to get in touch with our team.
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If you purchased your policy prior to 11/12/2024, unfortunately it is not possible to amend the total sum insured mid-term on an existing policy.
You can get a quote and purchase a new policy with the correct sum insured on our website at: https://www.craftinsure.com/
After you have purchased a new policy, you can log into your account and cancel your previous policy at: https://www.craftinsure.com/log-in/
For policies purchased on or after 11/12/2024, you can amend your sum insured by visiting our Craftinsure Contact Us page and getting in touch with our team.
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If you purchased your policy prior to 11/12/2024, you can cancel your policy by logging into your account at: https://www.craftinsure.com/log-in/
Then select your policy and select the cancel button.
If you purchased your policy on or after 11/12/2024, please visit our Craftinsure Contact Us page to get in touch with our team.
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If you purchased your policy prior to 11/12/2024, unfortunately it is not possible to change the boat mid-term on an existing policy. You can get a quote and purchase a new policy with the correct boat on our website at: https://www.craftinsure.com/
After you have purchased a new policy, you can log into your account and cancel your previous policy at: https://www.craftinsure.com/log-in/
For policies purchased on or after 11/12/2024, you can change your boat by visiting our Craftinsure Contact Us page and getting in touch with our team.
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Unfortunately it is not possible to transfer the policy to a new owner however we would be delighted if you would recommend us.
If you have sold the boat please cancel your policy and we will issue a refund if any is due.
You can log into your account at: https://www.craftinsure.com/log-in/
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You can add an additional owner to your policy online when purchasing a policy.
If you need to do this mid-term, please visit our Craftinsure Contact Us page to get in touch with our team.
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If your boat is over 25ft in length and over 20 years old if used on tidal waters (30 years if non-tidal), we require that you hold a full survey report not over 5 years old and be able to confirm that any survey recommendations have been complied with.
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Any surveyor who is a member of the YDSA (Yacht Designer and Surveyors Association) or RINA (Royal Institute of Naval Architects) should be acceptable. Visit the YDSA website to find a surveyor near you or ask your local boatyard/marina as they will often know of local surveyors. If you are unsure whether a surveyor would be acceptable to us, please visit our Craftinsure Contact Us page to get in touch with our team.
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A full survey should cover all main components of the boat, much the same as a pre-purchase survey. The boat should be out of the water and in addition to the hull, should cover stern gear, skin fittings, electrics, gas, fuel and water systems as well as safety equipment. A separate rig inspection may be recommended.
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We don’t have a specific age limit for replacement of rigging as so much depends on the boat type, usage and other factors but for most cruising yachts, we would expect standing rigging of 15 – 20 years old to be at or near the end of it’s life.
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Tenders to Yachts and Motorboats are covered under the one policy provided that the total value you have selected is adequate to include them.
If you are insuring an entirely separate boat then you would need a separate policy to get it covered.
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Smallcraft Policy - Additional Terms
What we cover:
- Up to 30 days use on the Continent of Europe.
What we exclude:
- 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.
- The craft is not insured for racing unless a Scull
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Racing Dinghy Policy - Additional Terms
What we cover:
- Full racing risks.
- Up to 30 days use on the Continent of Europe.
What we exclude:
- 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.
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Speedboat and RIB Policy - Additional Terms
What we cover:
- Liability to and of waterskiers and wakeboarders.
- Up to 30 days use on the Continent of Europe.
What we exclude:
- 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.
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Racing Yacht Policy - Additional Terms
What we cover:
- Loss or damage to sails, masts and spars whilst racing, limited to 2/3rds of the cost of repairs or replacement.
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Third Party Only Policy - Additional Terms
What we cover:
- Third Party Liabilities including Salvage and Removal of Wreck.
What we exclude:
- All loss or damage to the boat, its equipment and contents.
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Steel ‘widebeam’ craft are specifically included within our Narrowboat policy.
