INFORMATION SHEET - HARBOUR INSURANCE
Cruising Limits: Inland and Coastal Waters of the United Kingdom and Republic of Ireland, Continental coastal waters between Brest and the River Elbe and in the continental canal system.
Excess: £100
Legal Liability Cover: By reason of Your interest in the Vessel You may be held legally liable for damage, loss of life or injury. We shall indemnify You or any person using the Vessel with Your permission (other than a person operating or employed by the operator of a shipyard, repair yard, slipway, yacht club, marina, sales agency or similar organisation) against claims resulting from Your or their legal liability for:-
1. Death or bodily injury to any person other than as specified in Exclusions (a) and (h) below.
2. Loss of or damage to property not belonging to You or the permitted user.
The limit of indemnity under this Section is as shown in the Schedule for any one accident or series of accidents arising from the same event. In no case shall the total indemnity exceed the amount shown in the Schedule in respect of any one event.
In addition we shall pay:-
a Expenses incurred by You with Our prior written consent in connection with Official Enquiries and Coroners inquests.
b Law costs, incurred with Our prior written consent in defending any action or contesting liability whether or not such action proceeds in the Criminal or Civil Court.
If the Insured comprises more than one person (which in the case of a partnership includes each individual partner) we will indemnify each in accordance with the conditions of this Policy against liability incurred to the other as if the other was not included as an Insured.
Exclusions
We shall not indemnify You or the permitted user against claims resulting from legal liability for:
(a) Death or bodily injury in respect of any person employed in any capacity by You in connection with the Vessel or similarly employed by any person using the Vessel with Your permission.
(b) Accidents caused by or to water skiers whilst being towed or preparing to be towed by Your Vessel or until safely back on board Your Vessel.
(c) Accidents arising from any person engaged in kiting or other airborne sport whilst being towed by Your Vessel or preparing to be towed or until safely back on board Your Vessel.
(d) Accidents arising while the Vessel is in transit by mechanically propelled road vehicle, rail, ship or aircraft.
(e) Accidents involving a trailer except when intentionally not coupled to a towing vehicle.
(f) Death or bodily injury in respect of fare-paying passengers and damage or loss to their property.
(g) Damages or penalties arising under contract.
(h) Fines or other penalties imposed under any statutory code or Common Law in respect of any offence committed.
Notification of Claims:
1. In the event of any occurrence which may give rise to a claim under this Policy notice must be given to the Council as soon as possible. If the vessel is abroad such notice must be given to Our representative office or Lloyds Agent as soon as possible.
2. Full information of the occurrence must be given in writing as soon as possible thereafter with names and addresses of witnesses and any third party claimants.
3. You must send to the Council as soon as possible, and unanswered, all claims letter, summonses, writs or documents which You receive from third parties and give the Council whatever assistance and information which may reasonably be required.
Admission to Third Parties: No liability of any sort should be admitted and no undertaking given, or should any offer, promise or payment be made or legal expenses incurred by You without Our written consent.
Repairs and Tenders: You must obtain Our written consent, which will not be unreasonably withheld, before selecting the place of repair or repairing firm. If appropriate We may require You to obtain tenders of the repair of the vessel.
Other Insurances: In the event of any claim arising under this Policy which is also recoverable under any other insurance We shall not be liable for more than our ratable proportion of such claim.
Duties as Owner: It is a condition of this policy that You will take all reasonable steps to maintain the Vessel in a proper state of repair and seaworthiness and that You act reasonably as owner to prevent or minimise any loss or damage.
N.B. Definitions:
You/Your - The person or persons shown in the Schedule under “Insured”.
We/Our/Royal Insurance - Royal Insurance plc
Vessel - The hull, superstructure, fittings, machinery and equipment sold as one unit. Vessel does not include trailers.
Dinghies &/or Tenders - Craft used in connection with the operation of the vessel which are part of its equipment and permanently marked with its name
Disclaimer: The above is an information sheet only, containing the key elements of the cover under the policy and does not show all terms and conditions therein. No reliance on the above should be made without regard to the full policy. A copy of the full policy is available at the Council’s Harbour Office.