Summary of Cover

This provides a summary of the main features and limitations of the Craftinsure range of policies which are specifically designed to cover pleasure craft and protect pleasure craft owners against legal liability they may incur. Our policies are underwritten by Zurich Insurance plc. For full terms and conditions, please view our Specimen Policies or contact us for further details.

Duration

The policy runs for 12 months and is renewable annually.

Governing Law

Policies are governed by the law that applies to where you reside within the United Kingdom. If there is any disagreement about which law applies, English Law will apply. You agree to submit to the exclusive jurisdiction of the courts in England and Wales. Unless otherwise agreed, we will communicate with you in English.

Applicable to all policies:

(See additional terms for Smallcraft, Racing Dinghy, Speedboat , RIB, Dayboat and Keel Boat, and Racing Yacht policies listed below).

The policies cover: (see heading 'We will pay for.')

• Loss or damage to the vessel and associated equipment as agreed up to the total value insured due to external accidental means, fire, explosion, negligence, malicious acts and other causes specified in the policy.
• Theft of the vessel, or of equipment provided the theft follows forcible entry or removal by force.
• Loss or damage whilst in transit by road within the UK.
• Claims against you by Third Parties up to a maximum of £5m any one event.

The policies do not cover: (see heading 'We will not pay for')

• Wear and tear, deterioration and depreciation
• Third Party claims whilst in transit by road
• Theft of outboard motors from the vessel unless attached with an anti theft device in addition to normal method of attachment
• Loss or damage to the vessel or equipment caused by your recklessness or wilful misconduct
• The cost of making good any defective workmanship.
• Use of the vessel for anything other than private pleasure
• The amount of any Excess stated in the policy (doubled in respect of damage to under water gear for Tidal Motor Boats, Speedboats and RIBs).

Important policy conditions:

• The vessel and trailer must be maintained in a proper state of repair and seaworthiness/roadworthiness.
• Deductions for wear and tear apply in respect of sails and covers over 3 years old (see policy for specific details).
• You must exercise due care in safeguarding the vessel and equipment.
• You must be able to supply the serial number of your outboard engine.

Additional terms applicable to Smallcraft, Racing Dinghy, Speedboat and RIB, Dayboat and Keel Boat, Racing Yacht and Third Party Only Policies:

Smallcraft Policy

What we cover:

• Up to 30 days use on the Continent of Europe.

What we exclude:

• Personal effects other than lifejackets and buoyancy aids.
• Loss or damage whilst left unattended on moorings unless otherwise agreed.

Other important conditions:

• The maximum speed does not exceed 25 mph (23 knots).
• The craft is not used for racing.
• The craft must be securely tied to the ground when left in a dinghy park.
• The craft is not insured for racing unless a Scull

Racing Dinghy Policy

What we cover:

• Full racing risks.
• Up to 30 days use on the Continent of Europe.

What we exclude:

• Personal effects other than lifejackets and buoyancy aids.
• Loss or damage whilst left unattended on moorings unless otherwise agreed.

Other important conditions:

• The dinghy must be securely tied to the ground when left in a dinghy park.

Speedboat and RIB Policy

What we cover:

• Liability to and of waterskiers and wakeboarders.
• Up to 30 days use on the Continent of Europe.

What we exclude:

• Loss or damage whilst left unattended on moorings unless otherwise agreed.
• Theft of trailers or vessels left unattended on a trailer unless the trailer fitted with and securely locked by a wheel clamp and hitch lock.
• Liability resulting from towing of toys such as inflatable "donuts" or "ringos".
• Racing or speed trials.
• Personal effects other than lifejackets and buoyancy aids.
• Damage to propellers in use.
• Loss or damage by fire or explosion if fitted with inboard engine(s) unless fitted with automatic fire extinguishers.

Other important conditions:

• The maximum speed does not exceed 50 mph (45 knots).
• An experienced person aged 20 or over is on board and in charge when in use.

Racing Yacht Policy

What we cover:

• Loss or damage to sails, masts and spars whilst racing, limited to 2/3rds of the cost of repairs or replacement.

Third Party Only Policy

What we cover:

• Third Party Liabilities including Salvage and Removal of Wreck.

What we exclude:

• All loss or damage to the boat, it’s equipment and contents.

Notify Claim

claims@craftinsure.com
0345 2607 999 - 24/7.

Complaints Procedure

We aim to provide a high standard of service that will leave you no cause for complaint. However, if you believe we have not met the high standard you would expect of us, any enquiries or complaints regarding your policy may be addressed to complaints@craftinsure.com or by post to the Managing Director, Craftinsure Ltd, The Royals, Altrincham Road, Manchester M22 4BJ. Alternatively please call us on 0345 2607 888.

If you are not satisfied with the handling of your complaint, please write to the Managing Director, Zurich Insurance plc, PO Box 848, Brighton BN1 3GQ.

In the unlikely event that we cannot resolve any difference between us, you may refer the matter to the Financial Ombudsman Service whose address is Exchange Tower, London, E14 9SR. This is a free service and will not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint.

Please note that nothing in this process will adversely affect any right of action which any party to the contract may have against Craftinsure Limited or Zurich Group.

Cancellation Rights

You can cancel cover at any time within the customer login area at www.craftinsure.com.

If you have made a claim during the currency of the Policy being cancelled then no refund is due, and if you are paying premiums monthly, you agree that we may collect the balance of the annual premium outstanding.

If you cancel your policy before the end of the policy term (including during the first 14 day cooling off period), provided you have not made a claim during the current period, and the sum to be refunded exceeds £20, your card will be credited with a pro rata refund based on equivalent months left to run, less incurred administration charges which will not exceed 10% of the originally collected premium.

Individual monthly premiums are non refundable.