Tidal Motorboat Insurance

What is Insured?

• 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 vesse; after a total loss.
• Loss or damage whilst in transit by road (provided by road haulier if over 30ft/9.14m in length)
• Tenders (if appropriate) are covered, including whilst used independently of the parent vessel
• Recovery of the vessel following a loss
• Recovery of the vessel following a loss
• Inspection of the vessel after grounding, even if no damage is found.

• Personal Effects (for items with a value not over £250)
• 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 unless the vessel has lockable storage.
• Loss of money, cheques, credit or debit cards, jewellery, spectacles or mobile phones.
• 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).

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.