Watercraft

You’re covered for loss or damage that’s caused by, or as a result of

• An accident.
• Someone who isn’t you, a member of your household or the regular skipper (as long as this is not intentional and doesn’t happen with your knowledge or consent).
• Theft, hi-jack and piracy, including attempted theft, hi-jack and piracy.
• Fire, explosion, earthquake, storm, flood, freezing or snow.
• Animals (excluding domestic animals and pets).
• Hail.
• Legal liability.
• Parts being unavailable.

What we cover in terms of liability

You, and any other legally licensed person who’s piloting the insured watercraft with your permission, are covered for legal liability following an accident involving the insured watercraft, which causes damage to other people or their property, while the insured watercraft is on the water.

This includes legal costs that someone else may recover from you, and which we agree to, in order to settle or defend a claim against you.

We don’t cover watercraft used for the following:

• Emergency services.
• Law enforcement.
• Racing activities.
• Piracy.
• Towing.
• Taxi purposes or transporting of fare-paying passengers.
• To earn an income.
• As a houseboat or permanent home.

You’re also not covered for loss or damage due to or caused by

• Scratching, bruising or denting that’s caused by transit, loading or offloading.
• Depreciation in value, whether arising from repairs or otherwise.
• Power jumping and extreme beach landings.
• The use of an incorrect trailer.
• Incorrect fueling.
• Intentional damage (by you, members of your household or the regular skipper).
• You (or someone with your consent or knowledge) while under the influence of intoxicating liquor or drugs, piloting (or towing) the watercraft without being licensed (or with an endorsed licence) or unlawfully leaving the scene of an accident.
• Liability that’s already covered by legislation or other insurance contracts and liability for death, injury or emotional shock.
• Someone younger than 16 piloting the watercraft.
• Mechanical engine failure.
• Theft and attempted theft of fixtures, fittings and equipment.
• Any incident that causes damage to other people’s property or injury to them if your claim for the loss of, or damage to, the watercraft itself isn’t valid.
• Members of your household using your watercraft without your consent.
• Your watercraft being left unattended.
• The engine not being secured to the hull.

As well as damage to

• Property owned by you or in your control.
• Property that’s owned by, or is in the control of, any member of your household or any of your employees.
• Any watercraft being piloted by you, any of your employees, or members of your household, that you or they don’t own or haven’t hired.