Yacht and Motorboat Policy Wording Contents

Definitions 7 Section A – Accidental Damage Cover 9 Section B – Liability to others 15 Endorsements 16 Conditions which apply to the whole of this policy 18 Exclusions which apply to the whole of this policy 20 Our complaints procedure 22

2 Thank you for choosing Navigators & General for your insurance

We have been at the forefront of pleasure Relevant to the entire policy insurance for over 90 years. As such, This policy is an agreement between you we understand that offering the right and us but is only valid if you pay the insurance to our customers is about more premiums. It is based on the information than comparing premiums and cover it’s you gave us and confirmed to us during also about choosing a company that the application process or subsequently. appreciates the differing needs of boat Your policy provides the cover for the owners. With our wealth of experience, period of insurance shown in your you can be assured of a personal and schedule. You must read these terms professional service. and conditions together with your schedule and any specifications or Governing Law endorsements as one contract. Your policy is governed by the law that applies to where you reside within the Information you should provide United Kingdom, Channel Islands or It is important you check the information Isle of Man. If there is any disagreement shown in your policy documentation, about which law applies, English law will as your policy and cover is based on the apply, in which case you agree to submit information you have given us (either to the exclusive jurisdiction of the courts direct or via your insurance adviser) during in and Wales. Unless agreed the application process or subsequently, otherwise, we will communicate to you as confirmed in your most recent in English. documents. Although we may undertake If you would like to request a policy checks to verify your details, you must document, please call us or write and take reasonable care to ensure all we will arrange for this to be sent information provided by you or on your out to you, alternatively a copy can behalf is, to the best of your knowledge be downloaded from our website: and belief, accurate and complete. www.navandgen.com You must tell us immediately if at any time any of the information is incorrect or changes. If we have wrong information this may result in an increased premium and/or claims not being paid in full, or your insurance may not be valid and claims will not be paid. If in doubt about any information please contact us soon as possible.

3 Changes in information we need to be If you fail to pay your premium we will informed of include, but are not limited to, refuse your claim or take the balance of the following examples and apply equally any outstanding premium due to us from to all persons covered under the policy: any claim payment we make to you. This may mean that we fulfil our obligations • accidents (fault or non-fault) whether to any claim against your policy by a third or not resulting in a claim; party but seek full recovery of any sum • thefts (of or from the vessel); made under your policy directly from you. This may include the instruction of • convictions or pending prosecutions solicitors or other recovery agents. for any criminal offence; • change of your address or where How we use your information your vessel is moored; Zurich Insurance plc holds your personal information in accordance with the Data • make and/or model of vessel; Protection Act 1998. The information • use of vessel; supplied to us by you may be held on computer and passed to other insurers • modifications to your vessel; and re-insurers for underwriting and • any health matters affecting ability to claims purposes. You should show this operate the vessel; notice to anyone whose personal information may be processed to Your insurance may not be valid until administer this policy, including handling we have agreed to accept your changes any claims. and we will be entitled to vary the premium and terms for the rest of the We use a variety of security technologies period of insurance. and procedures to help protect your information from inappropriate use, and You should keep a record of all we will continue to revise procedures and information supplied to us in implement additional security features as connection with this insurance. new technology becomes available. The Schedule, Certificate of Insurance, We may use your information for Operative Endorsements and Policy underwriting purposes, statistical are to be read together as one contract analysis, management information, and are based on the information you market research, testing to ensure the have provided. integrity of our systems, and risk

4 management. We will only share your Fraud Prevention and Detection information as described in this notice, In order to prevent and detect fraud or where we are required or allowed to we may at any time: Share information do so by law. about you with other organisations including the Police; Undertake credit Policy Administration searches; Check and/or share your details and Underwriting with fraud prevention and detection In order to administer your insurance agencies. If false or inaccurate policy and any claims made against the information is provided and fraud is policy, Zurich Insurance plc may share identified, details will be passed to fraud personal information provided to us prevention agencies. Law enforcement with other companies within the Zurich agencies may access and use this Insurance Group and with business information. We and other organisations partners, including companies inside and may also access and use this information outside the European Economic Area. to prevent fraud and money laundering, If we do transfer your personal for example when: Checking details on information, including where we propose applications for credit and credit related a change of underwriter, we make sure or other facilities; Managing credit and that it is appropriately protected. credit related accounts or facilities; Recovering debt and tracing beneficiaries; Claims History Checking details on proposal and claims Under the conditions of your policy you for all types of insurance; Checking must tell us about any Insurance related details of job applicants and employees. incidents (such as fire, water damage, Please contact us on the number shown theft or an accident) whether or not on your policy documentation if you they give rise to a claim. When you want to receive details of the relevant tell us about an incident we will pass fraud prevention agencies. We and other information relating to it to the relevant organisations may access and use from database. We may search these other countries the information recorded databases when you apply for insurance, by fraud prevention agencies. in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.

5 This policy is an agreement between you If you cancel at any other time, we will (the person(s) shown in the schedule as charge you for the time you have been the insured) and us (Zurich Insurance plc). on cover. If this within the first year, we It is based on the information you gave will deduct a £50 (including insurance us and your agreement to pay the premium tax) administration charge from premium. Remember, you must tell us if any refund. We will not refund any this information changes. If you do not, premium if we have paid a claim or your policy may not be valid and we one is outstanding when you cancel may not pay any claims you make. your policy. You must read all the policy Our Right of Renewal documentation as one contract. Please Our right to renew this policy does not make sure that it provides the cover you affect your cancellation rights detailed asked for. If not, please contact your on your copy of the policy. If you pay insurance advisor or us as soon as possible. the premium to us using our Direct Debit instalment scheme we will have the right Cancellation rights (which we may choose not to exercise) If you decide you do not want to accept to renew the policy each year and the policy (or any future renewal of the continue to collect premiums using this policy by us), please surrender the method. We may vary the terms of Certificate of Insurance to us or your the policy (including the premium) at insurance advisor using the contact renewal. If you decide you do not want details provided on the covering letter, us to renew the policy, provided you tell within 14 days of receiving it (or for us before the next renewal date, we will renewals, within 14 days of your policy not renew it. renewal date). We will charge you on a pro rata basis for the time you have been on cover subject to a minimum premium of £50 (plus insurance premium tax) and the balance of the premium will be returned to you. There will be no return of premium if you are cancelling the policy within 14 days following a claim where your vessel is a total loss.

6 Definitions

Certain words have specific meanings In this policy the words ‘you’, ‘your’ when they appear in this policy. These and ‘yours’ refer to the person or meanings are shown below or in the persons showing in the schedule as the section where they apply. They are insured. The words ‘we’, ‘us’ and ‘our’ printed in bold. mean Zurich Insurance plc.

Agreed Value: this is the amount shown each day prior to getting underway and in the schedule, which represents the attached securely to the driver before the value of your Vessel as declared by you is started and the vessel is put and agreed by us. into gear. Commencement and End: cover will Laid Up Out of Commission: when the commence at 0001 hours and end at Vessel is not fitted out and ready for use. 0000, unless otherwise agreed, on Marina: a secure and sheltered mooring the dates shown in the schedule or complex, providing controlled access to renewal notice. berths or pontoons. Excluding facilities Europe: European Union member states as with floating or temporary breakwaters. well as Croatia, Norway and Switzerland. Policy Documentation: policy schedule, Excess: an amount to be deducted or endorsements, renewal notice and collected in the event of any claim. certificate of insurance (where issued). In Commission: when the Vessel is Racing: any organised competitive fitted out and ready for use. events with a designated start and finish; speed tests or connected trials. Kill cord: An engine cut out device specifically designed, sold and marketed Seaworthy: the vessel is seaworthy if it to stop the engine(s) automatically when is maintained and crewed in such a way the helmsman moves away from the as to be able to operate safely in controls. The kill cord must be tested conditions which can reasonably be

7 expected. If you are unable to maintain Underwater Gear: the Vessel’s the vessel due to lack of knowledge, skill propulsion, stability and steering or time you must employ the services of equipment that is under the water. a professional to do so on your behalf. United Kingdom: England, Wales, Terrorism: the use or threat of violence Northern Ireland, Scotland, Isle of Man or force, designed to influence the and Channel Islands. government or to intimidate the public, Vessel: the Craft described in the for the purpose of advancing a political, schedule plus: religious or ideological cause. • her machinery and outboard motors Total Loss: the Craft is irretrievably lost not exceeding 10 hp unless otherwise or destroyed. A constructive total loss is shown in the schedule. where the cost of replacement or repair exceeds the sum insured. • tender(s) not exceeding 16 feet in length nor exceeding £2,000 in Unattended: The vessel is unattended if value unless otherwise shown you, or somebody appointed on your in the schedule. behalf, is not in a position to monitor the vessel and able to go to its immediate • gear and equipment that would aid in the event of an incident or normally be sold with the Vessel. external interference.

8 Section A – Accidental damage cover

1 What is covered: • the cost of making good any fault or We will pay you for loss or damage to damage arising from any fault or your Vessel whilst it is: error in design or construction. • ashore or afloat. • replacing, repairing or renewing a faulty part, faulty design, faulty • in commission. This cover is provided construction or defective materials. for you or any person in control of the Vessel with your permission. • loss or damage to tenders unless permanently marked with the name • laid up out of commission. of the parent Vessel. • being lifted, hauled out or launched. • theft of outboard motors attached to all in accordance with the limits and the Vessel or her tender(s) unless it is requirements shown within the securely locked by an anti-theft device, policy documentation. which prevents retaining bolts/clamps being undone, in addition to its What you are not covered for: normal method of attachment. • the Excess shown within the • theft of outboard motors unless you schedule except in the event of a have safely recorded the serial number. Total Loss. • theft from the interior of the Vessel • loss of use of the Vessel. unless violence and force are used to • wear, tear, depreciation or break into the Vessel or place gradual deterioration. of storage. • loss or damage to consumable stores. • theft of fixed gear and equipment from the exterior of the Vessel unless • loss or damage to a jet drive or jet violence or force are used. propulsion unit, as a result of ingestion of an underwater or • theft of the trailer, and any insured floating object. items attached to it, whilst unattended unless the trailer has • loss or damage to the Vessel’s moorings. been securely fastened by a wheel • sails split by the wind or blown away. clamp or hitchlock. • the cost of making good any defect • a reduction in the Vessel’s market in repair or maintenance, resulting value following repair, or loss of from work carried out by any person value, warranty coverage or rating. employed by you.

9 • loss or damage to electrical equipment 4 We will only make deductions for unless directly caused by a sudden new replacing old in respect of sails, identifiable, unintended and unexpected running rigging, protective covers, occurrence at a specific time and place canopies, side screens, personal during the period of insurance. effects, unspecified tenders or items or parts that are no longer available • failure, fault or breakage of or legally compliant. Subject to a electrical equipment. maximum one third deduction. • loss or damage resulting from 5 If you choose not to repair or electrolysis, osmosis or like conditions. reinstate a loss, we will only pay you • damage sustained in consequence of the depreciation in market value or insufficient packing of items dispatched the cost of reinstatement, whichever to or by repairers or suppliers. is the lesser figure.

Conditions which apply to 2 Motors and Electrical Section A Machinery 1 We will pay the reasonable cost of What is covered: repair for loss or damage. In the event Loss or damage to motors, electrical of a Total Loss or constructive Total machinery and equipment, batteries and Loss, we will either pay the Agreed their connections resulting from: Value of the Vessel or provide a replacement Vessel of a similar age, • sudden accidental incursion of water size and type. Reasonable replacement into the Vessel, directly caused by an or repair to be considered sufficient, identifiable and unexpected occurrence. even if the appearance and condition • frost, providing manufacturers of the Vessel is not the same as prior recommendations have been followed. to the claim.

2 In no case will we pay for unrepaired What you are not covered for: damage in the event of a subsequent • gradual incursion of water into the Total Loss. Vessel as a result of the Vessel not being watertight. 3 In the event of loss or damage to the outboard motors we will pay the • loss or damage resulting from water current replacement price less 10% gradually escaping from any fixed per annum, up to a maximum appliance or pipe. deduction of 50%.

10 3 Underwater Gear We will provide this cover for: • you, your husband, wife or partner What is covered: and children who permanently live in loss or damage arising from the Vessel your normal home. striking an underwater or floating object.

The Excess that will apply to this cover: What you are not covered for: • the Excess shown within • if the Vessel is being used in the schedule. non-tidal waters the Excess amount shown within the schedule will apply. • loss or damage unless the Vessel has lockable storage. • if the Vessel is being used in tidal waters and has a maximum speed in • theft from an unattended motor excess of 20knts, the excess will be vehicle unless the vehicle was double the amount shown within securely locked and the personal the schedule. items hidden from view. For the purpose of this clause the • damp, mould, mildew, Mediterranean and Black Seas are vermin and moth. considered to be tidal. • mechanical or electrical failure The maximum Excess that will apply is or breakdown. £750 unless otherwise stated within • loss or damage to computer the schedule. equipment or computer software, mobile phones, jewellery, furs, 4 Loss or Damage photographic equipment, works of to Personal Effects art and spectacles. What is covered: • breakage of items of a fragile nature. loss or damage to personal items, that do not form part of the Vessel’s • loss of money, travellers cheques, inventory, while used in connection with credit or debit cards. the Vessel and whilst in transit between • loss or damage to water skis, water your home and the Vessel. toys, fishing, diving and sports Up to an amount of 2% of the sum equipment whilst in use. insured of the Vessel, minimum £500, • wear, tear, depreciation or maximum £2,500 unless otherwise gradual deterioration. stated in the schedule. • any one item in excess of £200 unless agreed in writing by us.

11 5 Preventing or 8 Pollution Hazard Minimising a Loss We will pay for loss or damage to the We will pay reasonable costs incurred, Vessel caused by a governmental including salvage, in preventing or authority, whilst trying to prevent or minimising a loss covered by this insurance. mitigate a pollution hazard resulting directly from loss or damage to 6 Transit (applicable only your Vessel. where the Vessel does not exceed 30 feet or 9.14 9 Single Handed Sailing metres in length) You are covered for single handed loss or damage to the Vessel whilst in passages not exceeding 24 hours but not transit by road, rail, air or ferry within otherwise, providing the Vessel is Europe, including loading and unloading. suitably equipped. We would draw your attention to Conditions which apply to What you are not covered for: the whole of this policy (page 17). • scratching, denting, bruising and chafing. 10 Medical Expenses We will pay necessary medical expenses 7 Grounding incurred, following an accident, by you We will pay the reasonable costs of or any person on board the Vessel with inspecting the Vessel following your permission. The maximum amount grounding, even if no damage is found. payable for any one incident is £500. The policy Excess will not apply to this cover.

11 Marina Benefits If a claim occurs whilst the Vessel is moored on a marina berth, we will not apply the Excess and your No Claims Bonus will not be affected, if applicable.

12 12 Personal Accident Loss of Sight means a complete, irrecoverable and irremediable loss of What is covered: sight of one or both eyes. Personal accidents that, within 12 months of the event, are the sole and independent Personal Accident means accidental cause of subsequent disability. bodily injury caused solely and directly by outward violent and visible means. Benefits

1 Loss of Limb £15,000 We will provide this cover for: You and persons aboard the Vessel 2 Loss of Sight £15,000 (including whilst embarking or 3 Permanent Total disembarking) with your permission. Disablement £15,000 What you are not covered for: The overall limit is £60,000 for any one • a disease, physical defect, illness accident or event. or injury which existed prior to If any one accident or event involves 6 or the accident. more persons, the individual sums insured • You are not covered for any other will be proportionally reduced, until the costs that are indirectly caused by the overall total does not exceed £60,000. event which led to your claim, unless For persons aged under 16 or over 70 specifically stated in this schedule. years at the time of the accident, the • pregnancy. permanent total disablement benefit will not apply. • suicide and deliberate self-injury.

Permanent Total Disablement means • being under the influence of drink, disablement, which prevents attending to drugs or solvent abuse. business or occupation of any and every • wilful exposure to needless risk. kind which, lasting for 12 consecutive calendar months, is at the expiry of that • death. period beyond all hope of improvement. • disablement to any person employed by you in any capacity whatsoever. Definitions: Loss of Limb means physical, permanent • disablement to any person whilst the and total loss of use at or above the Vessel is being used for purposes wrist or ankle. other than private and pleasure.

13 Conditions:­ No Claims Bonus in the event of a claim no payment will (Applicable only if shown in the be made without appropriate medical policy documentation) certification which you must submit Providing no claim has been submitted together with any information, evidence during the previous years’ period of or receipts that we ask for. These must insurance, you will be entitled to the be obtained at your expense. following discounts. • where necessary, the claimant must agree to a medical examination. After year 1 5% We will pay the cost. 2 consecutive years 7.5% • no claim will be payable under more than one benefit in respect of any 3 consecutive years 10% one accident. 4 consecutive years 15%

5 consecutive years 20%

14 Section B – Liability to others

1 What is covered: • liability of passengers or crew engaged We will cover your legal liability and/or in any underwater sport or activity, the costs associated with the defence from the time of leaving the Vessel against such a claim, up to the limit until safely within the Vessel. stated within the schedule, to • liabilities resulting from any accident compensate other people if someone whilst the Vessel is in the care, dies or is injured, or property is lost or custody or control of any business, damaged, as a result of your interest in trade, profession or organisation. the Vessel. • any activity other than water skiing We will provide this cover for: and wakeboarding involving persons You and those in control of the Vessel being pulled by the Vessel and/or with your permission. tender(s) unless you have written agreement from us. What you are not covered for: • liabilities whilst the Vessel is in transit 2 Removal of Wreck by road. We will pay the reasonable costs of attempted or actual raising, removal or • liabilities assumed under contract, destruction of the wreck of the Vessel or incurred solely by an agreement any failure to do so, resulting from loss entered into by you. or damage covered by this insurance. • accidents or illness to persons contracted by you, in any capacity whatsoever, in connection with the Vessel.

15 Endorsements

Only to apply where included in the b Protected Bonus schedule or you have written agreement Your No Claims Bonus will not be from us. reduced if you make a claim under this policy. Please note that endorsements form part of, and should be read in conjunction c Water Skiing with, the policy Documentation. We will cover liabilities to and of water They are subject to: skiers and wakeboarders being pulled by • Conditions which apply to the whole the Vessel. The limit of the indemnity for of this policy. this cover is £1,500,000. • Exclusions which apply to all Sections d Racing Cover of this policy. What you are covered for:

a Get You Home Cover • loss or damage whilst the We will pay the reasonable costs, whilst Vessel is Racing. the Vessel is Continental Waters, • your legal liabilities whilst the to allow the crew to return to the United Vessel is Racing. Kingdom and for a delivery crew to return the Vessel to its Home Port, if it What you are not covered for: becomes necessary to terminate the • double the Excess shown within voyage following: the schedule. • loss or damage to the Vessel covered • one-third of the total cost of replacing by this policy, rendering the Vessel or repairing sails, masts, spars, fittings un-seaworthy until repairs have and standing and running rigging lost been carried out provided the or damaged, but with no further Vessel will be out of use for a deduction for new replacing old and minimum of 7 days. no application of policy Excess to any • illness or injury to anyone on board part of any claim to which the one- resulting in the Vessel having third deduction applies. insufficient experienced crew provided • single handed racing it prevents that individual from sailing for a minimum of 7 days The maximum amount payable for any one incident is £1,000.

16 e Houseboat • loss of money, travellers cheques, The Vessel may be used as a credit or debit cards. permanent residence. • loss or damage to water skis, water toys, fishing, diving and sports f Houseboat Contents equipment whilst in use. What is covered: • loss or damage to satellite dishes, • loss or damage to household goods radio and television aerials. and personal effects. • wear, tear, depreciation or We will provide this cover for: gradual deterioration. • you, your husband, wife or partner • any one item in excess of £200 unless and children who permanently live in agreed in writing by us. your normal home. • animals. What you are not covered for: • food and drink. • the Excess shown within the schedule. • motorised vehicles. • loss or damage unless the Vessel has • deeds and documents. lockable storage. • theft from an unattended motor g Jet Ski vehicle unless the vehicle was What you are not insured for: securely locked and the personal • loss or damage as a result items hidden from view. of ingestion. • damp, mould, mildew, • loss, damage or liability if the driver is vermin and moth. under the age of 16. • mechanical or electrical failure • theft unless from the Vessel’s or breakdown. marina berth whilst locked to the • loss or damage to computer Vessel or following forcible and equipment or computer software, violent entry to a locked building. mobile phones, jewellery, furs, works • loss or damage or liability when left of art and spectacles. afloat and unattended. • loss or damage to collections of • loss, damage or liability unless the kill stamps, coins or medals. cord is in operation. • breakage of items of a fragile nature.

17 Conditions which apply to the whole of this policy

1 Everyone covered by this policy must 7 Those in charge of the Vessel with follow the policy terms and conditions. your permission must have satisfied you of their competence, prior to 2 This policy is non-transferable. your agreement. 3 Should the Vessel be sold or 8 If any claim is covered by another transferred to new ownership or there insurance, we will not pay the claim. is a change in interest, this policy will be cancelled from the relevant date. 9 In no case will we, under any section, pay more than the sum insured shown 4 Your policy is governed by the law that against that item in the schedule. applies to where you reside within the United Kingdom. If there is any 10 If a claim is fraudulent or false in any disagreement about which law applies, way, we will not make any payment English law will apply. You agree to and the policy will be void. There will submit to the exclusive jurisdiction of be no refund of premium. the courts in England and Wales. 11 In the event of a claim under more Unless agreed otherwise, we will than one section of this policy, communicate to you in English. the highest Excess will apply. 5 You must tell us if any of the 12 No person who is not party to this information on which this insurance is policy, or to whom cover is not based changes. Failure to do so may expressly extended, may enforce any result in your insurance no longer term of this policy. being valid and claims not met. If in doubt about any change you should 13 If you pay the premium to us using disclose it. If your policy is amended our Direct Debit instalment scheme we as a result of any change, we will be will have the right (which we may not entitled to vary the premium and use) to renew the policy each year and terms for the rest of the period of continue to collect premiums using this insurance. You should keep a record method. We may vary the terms of the (including copies of letters) of all policy (including the premium) at information supplied to us in renewal. If you decide that you do not connection with this insurance. want us to renew the policy, as long as you tell us before the next renewal 6 You must at all times exercise due date, we will not renew it. care and diligence and do all you reasonably can to prevent loss or damage to your Vessel.

18 Our right to renew this policy does send a letter to your last known not affect your cancellation rights address and give you 14 days’ notice detailed on page 5 and page 18, to pay the premium. If you fail to pay condition 16 of the policy. or choose to cancel your policy, your 14 If you have elected to pay your refund will be used to pay any sums policy annually, but failed to pay due under any associated Consumer your premium: Credit Agreement. • we may refuse your claim or take 15 Where an amount is given within this the balance of any outstanding policy and the currency shown on the premium due to us from any schedule is other than Sterling (£), the claim payment we make to you. equivalent currency amount will apply. This may mean that we fulfil our 16 This insurance may be cancelled by us obligations to any claim against at any time subject to 30 days notice your policy by a third party, but to you or by mutual agreement, seek full recovery of any sum when a pro rata daily return of made under your policy, directly premium shall be made calculated on from you. This may include the the annual premium charged. instruction of solicitors or other recovery agents; and Subject always to a minimum retained premium of £50 plus • we may cancel your policy by insurance premium tax. sending you seven days’ written notice to your last known 17 Modifications, you must notify us address. This does not affect our immediately if you modify your right to collect any outstanding vessel. Modifications include but are premium from you. not limited to such things as a different engine than supplied, If you have elected to pay your extending the superstructure, a policy monthly, but you have different rig or sails sheathing the defaulted on a monthly payment, we vessel in GRP, adding a bathing further reserve the right to cancel platform or changing the length of your policy in the event that there is the vessel. a default in instalment payments due under any associated Consumer Credit Agreement. However, we will

19 Exclusions which apply to the whole of this policy

We will not pay for any claims arising from: 12 your failure to maintain the Vessel in 1 war, invasion, civil war, conflict a seaworthy condition or in the case of or commotion. a trailer, roadworthy condition. 2 terrorism. 13 capture, seizure, arrest, restraint or detainment. 3 any chemical, biological, bio-chemical or electromagnetic weapon. 14 pollution or contamination unless directly caused by a sudden 4 ionising radiation, radioactivity, identifiable, unintended and nuclear fuel, nuclear waste or unexpected incident occurring entirely nuclear equipment. at a specific time and place during the 5 wilful misconduct or acts of period of insurance. recklessness by you or other persons 15 loss, damage or liability resulting from in control of the Vessel including, but deception by you. not limited to, conduct when under the influence of alcohol or drugs. 16 fines, penalties or punitive damages. 6 any accident or incident that occurs 17 malicious computer codes. outside the period of insurance. 18 the failure of a computer chip or 7 the Vessel operating outside the computer software to recognise a true cruising range shown in the schedule, calendar date. unless you have written agreement 19 the Vessel undertaking towage or from us. salvage services under a pre-arranged 8 hire, charter, reward or any other contract. However, the Vessel may commercial activity, unless you have assist or tow vessels in distress. written agreement from us. 20 loss, damage or liability in respect 9 the Vessel being stranded, sunk, of fire or explosion where the Vessel swamped or breaking adrift whilst and/or tender is fitted with inboard unattended except on a recognised machinery and the maximum design mooring or anchorage. speed exceeds 20m.p.h or 17 knots unless it is equipped with automatic 10 loss, damage or liabilities whilst fire extinguishing apparatus in the Racing unless this is included in the engine compartment. schedule or you have written agreement from us. 21 where the vessel (or her tenders) is fitted with a kill cord, we will not pay 11 loss, damage or liabilities whilst the for any loss, damage or liabilities Vessel is being used single-handedly arising from the kill cord being for a period exceeding 24 hours. inoperative, unused or used incorrectly.

20 Conditions Relating to all 3 You must report any loss, theft, Accidents and Claims attempted theft or malicious damage 1 When you contact us about a claim to the police immediately. on 01273 863450, you will need to 4 We will pay reasonable costs incurred tell us: by you in respect of official inquiries • your name and address. and/or coroners’ inquests. We will also pay reasonable costs incurred by • the place where the loss or you, subject to our prior approval, damage occurred. for settling or defending any claim. • what caused the loss or damage. 5 We retain the option to decide • telephone numbers and/or where the repairs are carried out and address. Including witnesses and may require a number of quotations. third parties, where known. 2 You must tell us immediately about any accidents, claims or legal proceedings in connection with this policy, and give us all the information and help we may need, including contact details of all witnesses, likely claimants and persons against whom any recovery might be made. You must send any writ, summons or comparable foreign documentation to us immediately it is received. We will decide how to settle or defend a claim, and may bring or defend proceedings in the name of any person covered by the policy, including proceedings for recovering any claim.

21 Our complaints procedure

We value the opportunity to investigate The Financial Ombudsman concerns you may have about our service. Service (FOS). We are committed to handling complaints If we are unable to resolve your fairly, thoroughly and promptly. complaint to your satisfaction within eight weeks or if you remain dissatisfied In the first instance, if you have a following receipt of our final response complaint about your policy or claim, you letter you may be able to ask the FOS to should contact the insurance advisor acting formally review your case. You must for you, or you can contact us directly. contact the FOS within six months of our If your complaint is about: final response. • your policy, please call us The FOS contact details are as follows: on 01273 863400 Financial Ombudsman Service • a claim, please call us South Quay Plaza on 01273 863450 183 Marsh Wall London Or if you prefer, you may write to us. E14 9SR The address to use is: You can telephone for free on: Navigators & General – Brighton PO Box 3707 08000 234 567 for people phoning SN4 4AX from a “fixed line” (for example, a landline at home) Complaint Procedure Leaflet 0300 123 9 123 for mobile-phone users A leaflet containing full details of our who pay a monthly charge for calls to complaint procedure will be provided numbers starting 01 or 02 during the complaint handling process and is available on request. Or e-mail: complaint.info@financial- ombudsman.org.uk This is a free and impartial service and will not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint.

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Navigators and General PO Box 3707, Swindon, SN4 4AX Tel 01273 863400 Fax 01273 863401 email [email protected] www.navandgen.com Navigators and General is a trading name of Zurich Insurance plc. A public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance plc is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available

R D from us on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.

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