Small Motorboat and SIB Insurance

What is Insured?

Cover for your craft, including trailers and outboard motors

• Loss or damage, including accidental damage
• Repair or replacement up to the sum insured stated in your policy
• We will pay the agreed value or replace the craft after a total loss.
• Loss or damage whilst in transit by road
• Recovery of the vessel following a loss
• Loss or damage to protective covers

Cover for you

• Your legal liability – third party cover to others for injury or damage caused up to £5,000,000
• Cover for others using your boat with your permission
• Legal costs incurred in defending a claim against you or in pursuing a claim against a Third Party for damage to your boat

What is not Insured?

• Loss or damage caused by the vessel being in an unseaworthy condition
• Wear, tear, depreciation or gradual deterioration
• Theft of outboard motors unless securely locked using an anti-theft device
• Theft of outboard motor unless you have safely recorded the serial number
• Mechanical or electrical breakdown.
• Loss or damage to personal effects
• Loss or damage whilst the craft is left unattended afloat
• The vessel operation outside of the territorial scope shown in the policy.
• Wilful misconduct or recklessness by you or other persons in control of the vessel (including whilst under the influence of alcohol or drugs).
• Racing or speed trials.

Useful Links

• Sample Policy

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Agreements

Agreement details

Cover

• Repair or replacement up to the sum insured stated in your policy
• We will pay the agreed value or replace the vessel after a total loss.
• Loss or damage whilst in transit by road (provided by road haulier if over 30ft/9.14m in length)
• Inspection of the vessel after grounding, even if no damage is found.