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 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

• 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.

Definitions:

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

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, or terrorism
• Capture, seizure, restraint or detainment.
• Ionising radiation, radioactivity, nuclear fuel or from any nuclear waste or nuclear equipment.
• Any chemical, biological, bio-chemical or electromagnetic weapon.
• 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 safeguarding them.
• 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

Sanctions

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 or steel.
• 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 Kingdom.

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 criminal offence
• 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 boat

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

Cancellation

• 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.

Renewal:

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 claims@craftinsure.com 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 be void.

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 claim
• Claims may also be reported using our 24 hour specialist claims hotline 0345 2607 999.

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.