Whether you sail along the coast of the island or make short trips to neighbouring territories;  if you own a fishing boat or pleasure craft  - there's nothing like being out in your own boat on the
open water with the breeze blowing in your face.

A marine hull policy insures you and your vessel against liability and damage in the event
of an accident. The types and amount of coverage you receive will depend on the
specific boat you own.  No matter the size of your craft we can cater to your needs.

Once you are in the water it is possible that something will happen.  If ithere's an accident with another craft, a sudden storm or earthquake, your boat will be covered. If
it's stolen, vandalized, or damaged by wind, lightning, fire, or
explosion, this coverage can help.

Liability

If there's an accident, more than likely someone else will be injured.  Your boat policy can provide coverage
for damage to another boat or a dock, and for bodily injury or death to another
person as a result of your negligent operation or ownership of the boat.

Damage

It's likely that your favourite
possession is docked somewhere other than close to your home. Regardless of where it is stored, you want to have it protected!  A boat policy usually covers
you for damage caused by;

• a collision or accident
• overturning
• sinking
• malicious damage and vandalism

Most boat policies cover physical
damage to:

• the hull
• engine
• sails
• machinery
• furnishings
• equipment

Deductible

You need to be aware of your deductible. (If you have to file a claim, that's the
amount of money you'll need to pay before your coverage kicks in.) Any amount over this will be settled by us.

Your hull insurance needs will vary depending on the type of vessel you have, so if you need further details please call us and speak to our marine experts.