All-inclusive Boat Insurance
New for old on all items
We will not reduce the amount you are claiming for your Boat or other insured property if we replace old materials with new.
No age limit on user or Boat
We do not impose extra terms or conditions because of the age of your Boat.
Full racing risk cover
We insure loss or damage to your Boat's mast, spars, sails and standing or running rigging whilst you are racing. We do not reduce your claim if we replace old materials with new and we will not reduce your claim because of the age of the materials.
Transit and trailer cover
We cover your Boat and trailer, (if requested) for transit by road within the cruising area specified on your Boat Insurance Certificate. We do not cover your liability for the trailer while attached to a towing vehicle or as a result of accident on the highway or public or private place. This ought to be covered by your motor insurance policy.
Personal belongings & kit bag cover
We cover sailing clothes and personal items normally worn or carried on your Boat and whilst on or around your Boat, including those items kept in your Boat kit bag up to an amount of £350.
Third party liability of £5,000,000
We cover you and any other person using your Boat with your permission for legal liability to another person arising out of interest in use of your Boat up to a maximum of £5,000,000.
No excess on third party claims
We do not apply the policy excess to any claims in respect of liability.
Refund of race entry fee
If you enter a Boat race and the open meeting is abandoned because of adverse weather, we will refund your entry fee if you are unable to recover it from the organisers up to an amount of £20 for five days.
Personal Accident cover
Our Boat Insurance covers you and any other person using your Boat with your permission for accidental bodily injury or death whilst using your Boat up to a maximum amount of £20,000 any one person and £40,000 in respect of any one event.
Medical Expenses cover
We cover you and the crew of your Boat for Medical Expenses incurred by you and/or them arising out of personal injuries caused by any of the perils covered under your Boat Insurance up to £1,000 any one occurrence.
Legal Protection cover
We cover your legal expenses up to £25,000 to pursue damages for injury or death or out of pocket expenses following damage to your Boat or for the defence of criminal prosecutions brought against you.
30 days European (EEA) cover
We cover your Boat in EEA countries and Switzerland for up to 30 days any one trip. EEA countries are Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, UK. If you use your Boat in either of Italy, Spain or Greece you ought to contact us first so we may issue you with the certificate of compulsory insurance for those countries.
Simple on-line claims procedure and rapid claims settlement
Our philosophy is simple. We pay claims fast and fairly. You can complete the Boat claim form on our web site and submit it to us electronically. We will, unless you specifically advise otherwise, correspond by email to ensure your Boat claim is dealt with as quickly as possible.
Subject to the terms and conditions of the GJW Direct Dinghy Policy