Auto and General Insurance

Watercraft Insurance

Under this section you may claim for any accident damage to the craft, or if it is stolen. You may also claim for the damage you caused to other parties and their property.

How and where the craft may be used

1. You will only have cover if you use the craft solely for social, domestic or pleasure purposes, and for the purpose for which it was designed.
2. The craft must be navigated and controlled by you, or with your permission by any competent person, and be used in accordance with the rules and regulations applicable to the specific waters where the craft is used.
3. The craft must be ashore or afloat on inland or coastal waters, or be transported by road, sea, air or rail.
• Inland waters of Southern Africa are all inland non-tidal navigable waterways of Botswana, Lesotho, Malawi, Mozambique, Namibia, South Africa, Swaziland, Zambia and Zimbabwe, including lakes, rivers and dams, used for sport and recreational boating.
• Coastal waters of Southern Africa are the territorial waters within a distance of 20km off the coast of Walvis Bay, Namibia, on the Atlantic Seaboard, around the coastline of South Africa to no further North than latitude 23 degrees South, Mozambique, on the Indian Ocean.

What you pay when you claim - the excess(es)

Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.

We will indemnify you for:

The craft, its machinery and motor(s), standard fittings, gear, equipment and fitted accessories.

The craft is comprehensively insured. We will indemnify you if it is damaged or stolen.

The most we will pay for the craft is its reasonable market value, or the stated value on the schedule, whichever is the lesser. If the craft is stolen, we do not have to indemnify you for four weeks from the time you tell us about it. If the craft is financed, we must first pay the finance company. If parts for the craft are not available, and it delays the repairs, we will not indemnify you for the inconvenience or money you lose or for any liability you may incur because of the delay.

Salvage charges

Salvage charges incurred in preventing or minimising further loss of or damage to the craft.

Finding the craft

Finding the craft after it became stranded, collided with something or sank.

Repatriation

The cost to salvage and deliver the craft to the nearest border post of South Africa, if it was disabled outside South Africa by anything covered by the policy.

Medical costs

Medical costs, if the craft is in an accident or sinks and any person in it is injured, up to R2 000 per incident.

Other parties

We will indemnify the other party, other than passengers on the craft or a waterskier, on your behalf for damages, costs and expenses if the navigator of the craft is legally responsible for an accident which caused damage to another party's property, or if a person died or was injured because of the accident. The accident must have been caused by or in connection
with the craft on the policy.

There will be no cover if the craft was being transported by road at the time of an accident, or if it was used outside South Africa or more than 20km from its coast.

Waterskier liability

Waterskier liability, but only if the schedule states that you are paying for cover.

1. If the navigator is legally responsible, we will pay for the accidental death of or bodily injury to a waterskier, and loss of or damage to the property of a waterskier while being towed by the craft or preparing to be towed, or before getting back into the craft.
2. If the waterskier is legally responsible, we will pay for the accidental death of or bodily injury to others and loss of or damage to the property of others, caused by a waterskier while being towed by the craft or preparing to be towed, or before getting back into the craft.
   

We do not indemnify you for:

Property in your possession and that of your passengers

For your property or the property of your passengers, and other property that you and your passengers have with them on the craft.

Trailer

For the craft's trailer. The trailer must be insured separately.

Accidental death or injury of a household member or employee

If a member of your household dies or is injured in an accident or if a person who works for you dies or is injured while he/she is working.

Craft used to earn an income or for hiring or chartering

If the craft is used to carry fare-paying passengers, for hiring or piloting instruction, or while it is chartered.

Confiscation

For seizure or confiscation by any legal authority.

Faulty repair work, latent defects, launching

For any loss or damage caused by faulty repair work or maintenance, a latent defect in the craft's design, construction or machinery, or loss or damage caused when it is being launched through the surf.

Pressure waves

For any loss or damage due to pressure waves caused by aircraft travelling at sonic or supersonic speed.

Transportation by road

If the craft is not conveyed on a properly constructed, designed and roadworthy trailer while in transit.

Aircraft or aerial devices

For any loss or damage caused by aircraft or other aerial devices or articles dropped from them.

Piracy or racing

For any loss or damage caused by piracy or while the craft is being used in any kind of race, speed or reliability trial. If the craft was used in an organised regatta, the cost of replacing or repairing sails, masts, spars, standing and running rigging will be limited to 2/3 of that cost.

Sails and protective covers

For any loss of or damage to sails and protective covers split by the wind or blown away unless the craft is stranded, sinks, burns, collides or when the spars, to which the sails are fastened, become damaged.

A craft left unattended for more than 12 hours

If the craft and its motor(s) are left unattended for a continuous period in excess of twelve hours, we will not be liable for any loss or damage unless the craft and its motor(s) are located at a marina or recognised place of mooring, within the confines of the insured's home, at any boat yard or place of repair, or any other recognised place of storage.

Fire extinguisher(s) not installed or not in working order

For any loss or damage caused by fire to any craft fitted with inboard machinery which does not carry a fire extinguisher(s), properly installed and maintained, and in efficient working order.

Navigator under the influence

If the navigator is under the influence of alcohol or drugs, or if the percentage of alcohol in the navigator's blood exceeds the legal limit, or if the navigator fails a breathalyser test.

Craft moored at an unregistered marina or mooring

For any loss or damage to any craft while permanently moored at an unregistered marina
or mooring.

Submerged motors

If you do not immediately flush and restart a submerged motor, if practicable.

Motor(s) not securely bolted

For loss of or damage to the craft's machinery and outboard motor(s) while it was not securely bolted to the craft.

Anti-theft device

For theft of the craft's outboard motor(s) while it was not securely locked to the craft by an anti-theft device.

Other various causes

For loss or damage directly or indirectly caused by failure, breakage or rust, wear and tear, deterioration or depreciation, perishing, fading, mechanical or electrical breakdown, insects or vermin and consequential loss from any cause whatsoever.