Smallcraft Sample Policy
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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
- This policy is an agreement between you,
Mr A Sample, and us. It is based on the
information you gave to us for the Insurance of Sailing Boat,
“Boat Name”, £2,000 and is in place
following payment of the premium for the period
DD/MM/YYYY to DD/MM/YYYY.
- This policy is non-transferable.
Click on words when viewing this policy online to see their definition.
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:
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:
- The first xxxxxxx of any claim, doubled in respect of any claim where the boat is left afloat.
- Loss or damage due to wear and tear, depreciation,
gradual deterioration, or mildew.
- Loss or damage whilst your boat is left afloat
unattended except on non-tidal waters.
- Mechanical, electrical and electronic breakdowns,
failures, faults or breakages, and frost damage.
- Theft of equipment unless following forcible and
violent entry, or following removal from your boat by force.
- Theft of trailer, and any items attached to it,
whilst unattended unless the trailer has been securely fastened by a
purpose manufactured wheel clamp or hitch lock.
- Theft of outboard motors whilst attached to
“Boat Name” or her tender(s)
unless securely locked by an anti-theft device which prevents retaining
bolts or clamps being undone, and unless you can supply the engine
- Loss of or damage to Personal Effects
- Protective covers more than 3 years old split by the
wind or blown away.
- The cost of making good any defect in repair or
maintenance, or replacing or renewing any defective part, or making good
any fault or error in design or construction.
- Where “Boat Name” is fitted with a
kill cord, we will not pay for any loss or damage caused by loss of control
where a kill cord is fitted but has not been
- Loss of or damage to propellers, oars or paddles
whilst in use.
Conditions which apply:
- We will pay the reasonable cost of repair for
loss or damage not exceeding £2,000 Reasonable replacement or repair may
not result in the appearance and condition being the same as that prior to
the claim. In the event of total loss or
constructive total loss, we will pay £2,000 or
at our option, provide a replacement boat of a similar age, size
- In the event of Constructive Total Loss, we
will be entitled to retain any salvage.
- We will not pay for unrepaired damage in the
event of a subsequent total loss.
- In the event of loss or damage to outboard motors, and only where the
serial number is supplied, we will pay the
reasonable cost or repair or reinstatement but not exceeding the market
value at the time of loss which will be calculated as the new replacement
price less a deduction of 10% per year since new, up to a maximum deduction
- In the event of insured damage to sails or covers which are over 3 years
old, we will pay two thirds of the replacement cost.
- We will pay reasonable costs incurred,
including salvage, in preventing or minimising a loss covered by this
Liability to Others. What is covered:
- We will cover your legal
liability to compensate other people if someone dies or is injured, or
property is lost or damaged as a result of your
interest in “Boat Name” up to a
limit of £5,000,000 in respect of any one accident (which shall be deemed
to include a series of accidents occurring in connection with or arising
out of any one event) but unlimited in aggregate.
- We will also pay for law
costs incurred in settling or defending any claim providing we have given
- Subject to the policy terms and limitations, cover
extends to any person in charge of“Boat Name” with
your permission, but not to persons employed by
- We will pay for all
expenses properly incurred by you in connection with Official Inquiries,
and Coroner’s Inquests.
- We will pay reasonable
costs of attempted or actual raising, removal or destruction of wreck
resulting from loss or damage covered by this insurance.
What is not covered:
will not pay for any liability claims arising from:
- Liabilities to third parties whilst “Boat Name” is in transit by road
(which should be covered by the towing vehicle insurance).
- Accidents or illness to any persons employed by
you in connection with “Boat Name”
- Costs of defending any criminal prosecution, or the
payment of any fines or penalties.
- Contractual liability
Exclusions which apply to the whole policy
We will not pay any claims arising from:
- Hire, charter, or any other commercial activity.
- Racing or speed trials,
unless a sculling boat.
- Loss or damage to canoes or kayaks caused during
white water use above Grade II.
- War, invasion, civil war, conflict or commotion, or
- Ionising radiation, radioactivity, nuclear fuel,
nuclear waste or nuclear equipment.
- Any chemical, biological, bio-chemical or
- Malicious computer codes, or from the failure of a
computer chip or computer software
- Wilful misconduct or acts of recklessness by
you, or those to whom this policy extends,
including but not limited to when under the influence of alcohol or drugs.
- Pollution or contamination unless directly caused by
a sudden, identifiable, unintended and unexpected incident occurring
entirely at a specific time and place during the period of insurance.
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:
- The boat, unless a sculling boat, canoe or kayak, is no longer than
- The maximum design speed of the boat will not exceed
- “Boat Name” is based in the
- If a sailing boat,“Boat Name” will be securely tied down to the ground whilst left in a dinghy park.
- The boat will not be left unattended afloat on tidal waters.
- “Boat Name” will be maintained
in a proper state of repair and seaworthiness,
and in the case of trailers, roadworthiness, and that you will exercise due
care and diligence in safeguarding your boat and
Information you should provide
- It is important that you
check the information shown in your policy documentation, as your cover is
based on the information you have given us during
the application process or subsequently, as confirmed in your most recent
documents. Although we may undertake checks to
verify your details, you must take reasonable
care to ensure all the information provided by you or on your behalf is, to the best of your
knowledge and belief, accurate and complete.
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:
- Accidents or theft involving a boat, whether or not
resulting in a claim
- Convictions or pending prosecutions for any criminal
- Make or model of boat, modifications or use of the
- Any health matters affecting your ability to operate
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
should keep a record of all information supplied to us in connection with
- You can cancel this
insurance at any time at www.craftinsure.com by accessing
your Existing Customer pages of the website, or
by emailing us.
- If you have made a claim
during the current period of insurance and cancel the policy, there will be
no refund of premium. Please refer to the Terms & Conditions on
- You can cancel cover within the first 14 day "cooling off" period, if you haven't made a claim.
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.
- You must tell us immediately about any
accidents, claims or legal proceedings in connection with this policy by
e-mail to firstname.lastname@example.org or by phoning 0345 2607 999.
- You will give us full information of the
circumstances of the incident and of all claims made, with names and
addresses of claimants and witnesses of the accident, as soon as possible.
- We can decide where repairs shall be carried
out and may require a number of quotations.
- No liability shall be admitted, nor any offer, promise or payment made
by you, nor legal expenses incurred without our
consent. We shall be entitled to take over, and
conduct in your name, the defence of any action.
- You must send all claims, letters, summonses
or writs relating to any accident to us immediately. We will decide how to settle or defend a claim,
and may bring or defend proceedings in the name of any person covered by
the policy, including recovery proceedings.
- In the event of any claim arising which is also recoverable under any
other insurance, We shall only be liable for our
due proportion of such a claim.
- If a claim is false or fraudulent in any way, we will not make any payment and the policy will
- Manage your policy at www.craftinsure.com, where
you can change your details, boat details or
payment method, or submit a new claim or track the progress of an existing
- Claims can be reported using our 24 hour specialist
claims hotline 0345 2607 999.
For other matters, contact us at email@example.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
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.