Third Party Sample Policy
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
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
- 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 Third Party Only,
Boat Name, 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.
Ashore or afloat on inland and coastal waters of the United Kingdom including Channel Islands, Isle of Man and Northern Ireland
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 written consent.
Subject to the terms and limitations, cover extends
to any person in charge of “Boat Name”
with your permission, but not to persons employed by you.
We will pay for all
expenses properly incurred by you in
connection with Official Inquiries, and Coroner’s Inquests.
We will pay up to
£15,000 costs of attempted or actual raising, removal or destruction of
wreck resulting from an incident covered by this insurance.
What is not covered: Exclusions
The first £50 of any claim.
Any loss or damage to Boat Name or any boat you are
in charge of.
Accidents whilst “Boat Name” is in transit by road.
Accidents to or illness of any persons employed by you in connection with “Boat Name”
- Costs of defending any criminal prosecution, or
the payment of any fines or other penalties.
- Contractual liability.
- Any liabilities arising from waterskiing, wakeboarding, or any other
activities involving persons being pulled by Boat Name
unless you have selected this cover.
- Hire, charter, or any other commercial activity.
- War, invasion, civil war, conflict or commotion,
- Capture, seizure, restraint or detainment.
- Ionising radiation, radioactivity, nuclear fuel or
from any nuclear waste or nuclear equipment.
- Any chemical, biological, bio-chemical or
- Malicious computer codes, or from the failure of a
computer chip or software.
- Wilful misconduct or acts of recklessness by you or other persons in control of your boat,
including but not limited to when under the influence of alcohol or drugs.
- Your failure to maintain and keep “Boat Name”, her machinery, tenders,
trailer and equipment in a proper state of repair and
seaworthiness/roadworthiness, or to exercise due care and diligence in
- 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. Liability in respect of fire or explosion where
Boat Name is fitted with inboard machinery and the maximum
design speed exceeds 20 knots unless equipped with automatic or remotely
controlled fire extinguishing apparatus in the engine compartment
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:
- Boat Name is not of amateur
construction or a conversion, and is constructed of fibreglass, aluminium
- Boat Name does not exceed 50ft in
length (or 80ft if a Narrowboat), and is not a static houseboat.
- Boat Name has a maximum design speed of
no more than 45 knots
- Boat Name is not more than 50 years old at the start of this Policy.
- The permanent home mooring of “Boat Name” is in the United
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.
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:
- Accidents or theft involving a boat, whether or not
resulting in a claim
- Convictions or pending prosecutions for any
- Make or model of boat, modifications or use of the
boat, or where the boat is moored
- Any health matters affecting ability to operate the
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 our website.
- 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 accepted 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 telephoning 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
How to contact us:
- 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 may also 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.