RIB 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 www.craftinsure.com.

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:

Whilst ashore or in transit or afloat on inland and coastal waters of the United Kingdom and Ireland, and for a period not exceeding 30 days in any one period of insurance in Europe

Accidental Damage & Theft cover. What is covered:

We will pay for physical loss or damage to “Boat Name” whilst ashore or afloat, being lifted, hauled out or launched, 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:  

Contractual liabilities.

Exclusions which apply to the whole policy

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 customersupport@craftinsure.com, or call our helpline on 0345 2607 888.

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

Navigators and General is a trading name of Zurich Insurance Company Ltd. A public limited company incorporated in Switzerland. Registered in the Canton of Zurich, No. CHE-105.833.114, registered offices at Mythenquai 2, 8002 Zurich. UK Branch registered in England and Wales no BR000105. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number is 959113.