Small Boat/Craft Insurance

A small boat/craft can be a considerable financial investment and you need to be sure that your boat/craft insurance covers the perils that may befall it both on the trailer and on the water.

Small Boat/Craft Insurance Policy Benefits

Cover for the Boat

Subject to the Warranties and the other terms of the Policy the Small Boat is covered in respect of physical loss of or damage to the Small Boat caused by:

• Accidents
• Fire
• Collision
• Stranding
• Grounding
• Heavy weather
• Latent defects in the Boat or trailer
• Negligence
• Theft of the entire Boat
• Theft of any part of the Boat (subject to security conditions)
• Malicious acts of third parties (including vandalism, piracy or barratry)
• Rodents
• Explosion
• Lightning
• Earthquake or volcano
• Civil disturbance and terrorism
• Detonation of derelict weapons of war

Cover for the Boat Trailer

If cover for a Trailer is provided, subject to the Warranties and the other terms of the Policy the Trailer is covered in respect of physical loss of or damage to the Trailer caused by:

• Theft or attempted theft
• Fire
• Explosion
• Lightning or earthquake
• Collision or accident whilst in use
• Malicious acts of third parties (including vandalism)
• Civil disturbance and terrorism
• Perils of the seas or other navigable waters if the Trailer is being transported on a vessel employed on an advertised ferry service within the Cruising Area

Cover for Personal Property

If cover for your Personal Property is provided, subject to the Warranties and the other terms of the Policy your personal property and the personal property of your family is covered in respect of physical loss or damage (subject to security and other requirements).

Cover for Liability to Third Parties

If cover for liability to Third Parties is provided, subject to the Warranties and the other Terms of the Policy you are covered in respect of your legal liability to another person arising out of your interest in or use of your small boat (including wreck removal and damage caused by oil pollution) and trailer if cover is provided.