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).
- 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.