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This summary of cover provides a summary of the significant features, benefits and limitations of the cover provided by the Navigators & General Insurance Company Ltd. Inland Waterways policy. The full terms conditions or exclusions are shown in the policy document, which is available upon request.
The Navigators & General, Inland Waterways Policy is designed specifically to provide specialist cover and protection for pleasurecraft over 16'6" for you, the craft and your passengers and will normally run for a period of 12 months. It is split into 2 separate sections
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External accident means |
Forcible removal of gear from the exterior of the vessel |
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Theft |
Grounding |
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Malicious acts |
Sudden accidental incursions of water |
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Fire |
Vermin |
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In use, as specifically agreed |
In transit by road (if under 30') |
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Afloat on moorings, as specifically agreed |
Yacht racing, if specifically agreed |
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Ashore |
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Any tender up to £2,000 and not exceeding 16' in length and must be marked with the name of the parent vessel. |
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Any outboard motor up to 10HP (claim settlement is based on second-hand market value at time of loss/damage). |
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Personal effects belonging to you and your family up to 2% of the sum insured on the vessel (minimum £500, maximum £2,500). |
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Any salvage or wreck removal fees connected with insured risks. |
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Personal accident benefits for owner and guests up to £60,000 any one event. |
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Law costs, incurred with our consent in defending claims. |
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Houseboat contents cover by specific extension. |
We will indemnify (protect) you up to the amount stated in your Schedule (normally £3,000,000) for such claims.
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Any claim caused by war, terrorism, civil strike or commotion |
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Wear, tear, gradual deterioation and breakdown |
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Consumable stores, cash, credit cards. |
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Sails, covers and canopies split or blown away by the wind. |
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Third Party claims whilst in transit by road (which should be insured under a Motor Policy). |
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Persons contracted in any way to work on the craft. |
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Damage to mast, spars and sails whilst racing unless specifically extended. |
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Acts of recklessness or wilful misconduct by the insured or persons in charge of the vessel, including conduct when under the influence of alcohol or drugs. |
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Notify us as soon as possible of any claims or potential claims. |
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Not admit liability for any claim without our consent. |
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Maintain vessel and equipment in seaworthy condition. Also trailers must be roadworthy. |
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Exercise due care and diligence to safeguard the vessel. |
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Notify us of any material facts that may influence our view of the risk. |
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Please note, in most cases policy excesses will apply and are detailed in the quotation and policy schedule. |
For both section A & B of your policy a policy excess will be applied, please refer to your policy schedule (reduced excess will be endorsed on the reverse of your schedule). Unless in the case of a Total Constructive Loss of the vessel where no excess is applicable.
You should contact us on the following number if you wish to report a claim or incident: 01273 863450 or through your insurance intermediary.
Firstly, if you have a complaint about your policy or a claim, you should contact the insurance advisor who arranged the policy for you. If they are not able to sort out your complaint, you can contact us direct.
If your complaint is about your policy please call us on 01273 863430.
If your complaint is about a claim, please call us on 01273 863450.
If you prefer you can write to us at the address shown below or via e-mail to enquiries@navandgen.co.uk
If you are still not satisfied, you can contact the Chief Executive office.
Chief Executive
The Grange
Bishops Cleeve
Cheltenham
GL52 8XX
01242 511227
e-mail: chiefexecuitve@uk.zurich.com
If you are still not happy with the way we have dealt with your complaint, you can ask the Financial Ombudsman Service (FOS) to review your case. This is a free impartial service.
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall,
London
E14 9SR
Tel: 0845 0801800 or e-mail: enquiries@financial-ombudsmen.org.uk
you may contact the FOS at any stage of your complain. Your legal rights will not be affected.
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation should we be unable to meet our obligations. Further information is available on www.fscs.org.uk or you may contact the FSCS on 020 7892 7300.
If you decide that you do not want to accept the policy (or any subsequent revnewal of the policy by us), please return it to us (or your insurance intermediary) together with the Certificate of Insurance within 14 days of receiving it (or for renewals within 14 days of your policy renewal date). We will only charge you on a pro rata basis for the time we have been cover subject to a minimum premium of £50 (plus insurance premium tax). The balance of the premium will be returned to you.
This insurance may be cancelled by you or the Company at any time subject to 30 days notice to the assured or by mutual agreement, when a pro rata daily return of premium shall be made calculated on the annual premium charged.
In selecting insurance for your vessel/marine trade activities, you have chosen a level of maritime cover from a range of Navigators & General products in accordance with your requirements. Whilst making this decision, you have not received a personal recommendation from Navigators & General Insurance Company Ltd. Cover is shown in your copy of our policy wording plus additional or excluded cover is endorsed on the reverse of you policy schedule.
It is important that you should disclose all material facts; that is, those facts that would influence an insurer in the acceptance or assessment of your proposal. Failure to disclose such facts may result in claims not being met. If you are in any doubt about whether a fact is material, you should disclose it. You should keep a record (including copies of letters) of all information supplied to us for the purposes of entering into this contract.
Navigators & General Insurance Company holds your details in accordance with the Data Protection Act 1998.
In order to administer your insurance policy, Navigators & General Insurance Company Ltd. may share personal data provided to us with other companies within the Zurich Financial Services Group and with business partners, including overseas companies. If we do transfer your information, we make sure that it has the same level of protection that it has with us under all relevant legislation within the UK
Unless otherwise agreed between the Company and the Assured when this contract of insurance was made, this insurance and any dispute arising under it, is subject to law of England and Wales, and to the exclusive jurisdiction of the English Courts. Unless agreed otherwise, we will communicate to you in English.
If you would like to request a policy document, please call us or write and we will arrange for this to be sent to you.