Dayboat & Keelboat Sample Policy

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Thank you for choosing Craftinsure. Craftinsure is an online insurer and so it is intended for this policy to be viewed in electronic format. A definition applies to any word shown in bold italics. To view the definition, simply click on the word. You can also view and download the definitions at

Governing Law

Your policy is governed by the law that applies to where you reside in the United Kingdom, Channel Islands or Isle of Man.

Relevant to the entire policy


Click on words when viewing this policy online to see their definition.

Territorial Scope:

Ashore or afloat on inland and coastal waters of the United Kingdom including Channel Islands, Isle of Man and Northern Ireland, and up to 30 days in Europe.

Accidental Damage & Theft cover. What is covered:

We will pay for physical loss or damage to “Boat Name” whilst ashore or afloat, or in transit by road within the UK, Ireland or Europe.

What is not covered:

Conditions which apply:

Liability to Others. What is covered:

What is not covered:

We will not pay for any liability claims arising from: 

Exclusions which apply to the whole of this policy

The first xxxxxxx of any claim, doubled whilst racing

We will not pay any claims arising from:


We shall not provide coverage to you or any other party to the extent that such cover would violate any applicable trade or economic sanctions law or regulation.

You have agreed:

Information you should provide

You must tell us immediately if at any time any of the information is incorrect or changes. If we have wrong information, this may result in an increased premium and /or claims not being paid in full, or your insurance may not be valid and claims not paid. If in doubt about any information, please contact us as soon as possible.

Changes in information we need to be informed of include, but are not limited to, the following examples and apply equally to all persons covered under the policy:

Your insurance may not be valid until we have agreed to accept your changes and we will be entitled to vary the premium and terms for the rest of the period of insurance.

You should keep a record of all information supplied to us in connection with this insurance



In accordance with the Terms & Conditions agreed when purchasing or renewing your policy, we will until further notice charge the credit or debit card registered with us when payments become due. Renewal terms will be emailed to you 30 days prior to the renewal date. we may vary the terms of the policy (including the premium) at renewal. On the renewal date, we will automatically apply for payment of the premium due. If you do not want to renew the policy, provided you tell us or cancel your policy online before the renewal date, we will not renew it.

Accidents and Claims:

Click on the heading "Claims" on our website and complete the online claim form.

Contact us:

For other matters, contact us at, or call our helpline on 0345 2607 888.

On behalf of Craftinsure Limited trading as, Underwriting Agents for Navigators & General (a trading name of Zurich Insurance plc).

The insurance is provided by Navigators and General a trading name of Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance plc is authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority and with deemed variation of permission. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA‐based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Our FCA Firm Reference Number is 203093.