Understanding The Policy Book or Terms and Conditions In Not So Small Print
Introduction
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puts you in control and you can be rewarded for being responsible and managing
your actions, by getting some bucks back.
Dial Direct is part of the UK Dial Direct group. General Terms & Conditions
Watercraft
Under this section you may claim for any accident damage to the craft, or if it
is stolen. You may also claim for the damage you caused to other parties and
their property.
How and where the craft may be used
You will only have cover if you use the craft solely for social, domestic or
pleasure purposes, and for the purpose for which it was designed. The craft must
be navigated and controlled by you, or with your permission by any competent
person, and be used in accordance with the rules and regulations applicable to
the specific waters where the craft is used.
The craft must be ashore or afloat on inland or coastal waters, or be
transported by road, sea, air or rail.
1) Inland waters of Southern Africa are all inland non-tidal navigable waterways
of Botswana, Lesotho, Malawi, Mozambique, Namibia, South Africa, Swaziland,
Zambia and Zimbabwe, including lakes, rivers and dams, used for sport and
recreational boating.
2) Coastal waters of Southern Africa are the territorial waters within a
distance of 20km off the coast, from Walvisbay Namibia on the Atlantic Seaboard,
around the coastline of South Africa to not north of latitude 23 degrees South,
Mozambique on the Indian Ocean.
What you pay when you claim - the excess(es)
Every time something happens for which you claim, you must pay the Basic Excess.
You must also pay any of the Additional Excesses on the schedule, on top of the
Basic Excess.
We will compensate you for:
The craft, it’s machinery and motor(s), standard fittings, gear, equipment and
fitted accessories
The craft is comprehensively insured. We will compensate you if it is damaged or
stolen.
The most we will pay for the craft is its reasonable market value, or the stated
value on the schedule, whichever is the lesser. If the craft is stolen, we do
not have to compensate you for four weeks from the time you tell us about it. If
the craft is financed, we must first pay the finance company. If parts for the
craft are not available, and it delays the repairs, we will not compensate you
for the inconvenience or money you lose or for any liability you may incur
because of the delay.
Salvage charges
Salvage charges incurred in preventing or minimizing further loss of or damage
to the craft.
Finding the craft
Finding the craft after it became stranded, collided with something or sank.
Repatriation
The cost to salvage and to deliver the craft to the nearest border post of South
Africa, if it was disabled outside South Africa, by anything covered by the
policy.
Medical costs
Medical costs, if the craft is in an accident or sinks and any person in it is
injured, up to R2 000 per incident.
Other parties
We will compensate the other party, other than passengers on the craft or a
water-skier, on your behalf for damages, costs and expenses if the navigator of
the craft is legally responsible for an accident which caused damage to another
party’s property, or if a person died or was injured because of the accident.
The accident must have been caused by or in connection with the craft on the
policy. There will be no cover if the craft was being transported by road at the
time of an accident, or if it was used outside South Africa or more than 20 km
from its coast.
Waterskier liability
Waterskier liability, but only if the schedule states that you are paying a
premium for it. If the navigator is legally responsible, we will pay for
accidental death of, or bodily injury to a waterskier, and loss of or damage to
property of a waterskier while being towed by the craft or preparing to be
towed, or before getting back into the craft. If the waterskier is legally
responsible, we will pay for accidental death of, or bodily injury to others and
loss of or damage to property of others, caused by a waterskier while being
towed by the craft or preparing to be towed, or before getting back into the
craft.
We do not compensate you:
Property in your possession and that of your passengers
For your property or the property of your passengers, and other property that
you and your passengers have with them on the craft.
Trailer
For the craft’s trailer. The trailer must be insured separately.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person
who works for you, dies or is injured while he/she is working.
Craft used to earn an income or for hiring or chartering
If the craft is used to carry fare-paying passengers, for hiring or piloting
instruction, or while it is chartered.
Confiscation
For seizure or confiscation by any legal authority.
Faulty repair work, latent defects, launching
For any loss of or damage caused by faulty repair work or maintenance, a latent
defect in the craft’s design, construction or machinery, or caused when it is
being launched through the surf.
Pressure waves
For any loss of or damage due to pressure waves caused by aircraft travelling at
sonic or supersonic speed.
Transportation by road
If the craft is not conveyed on a properly constructed, designed and roadworthy
trailer, while in transit.
Aircraft or Aerial devices
For any loss or damage caused by aircraft or other aerial devices or articles
dropped from them.
Piracy or racing
For any loss or damage caused by piracy or while the craft is being used in any
kind of race, speed or reliability trial. If the craft was used in an organized
regatta, the cost of replacing or repairing sails, masts, spars, standing and
running rigging will be limited to 2/3 of that cost.
Sails and protective covers
For any loss of or damage to sails and protective covers split by the wind or
blown away unless the craft is stranded, sinks, burns, collides or when the
spars, to which the sails are fastened, become damaged.
A craft left unattended for more than 12 hours
While the craft and its motor(s) are left unattended for a continuous period in
excess of twelve hours, we will not be liable for any loss or damage unless the
craft and its motor(s) are located at a marina or recognized place of mooring,
within the confines of the insured’s home, at any boat yard or place of repair,
or any other recognised place of storage.
Fire extinguisher(s) not installed or not in working order
For any loss or damage caused by fire to any craft fitted with inboard machinery
which does not carry a fire extinguisher(s), properly installed and maintained,
and in efficient working order.
Navigator under the influence
If the navigator is under the influence of alcohol or drugs, or if the
percentage of alcohol in the navigator’s blood exceeds the legal limit, or if
the navigator fails a breathaliser test.
Craft moored at an unregistered marina or mooring
For any loss or damage to any craft while permanently moored at an unregistered
marina or mooring.
Submerged motors
If you do not immediately flush and restart a submerged motor, if practicable.
Motor(s) not securely bolted
For loss of or damage to the craft’s machinery and outboard motor(s) while it
was not securely bolted to the craft.
Anti-theft device
For theft of the craft’s outboard motor(s) while it was not securely locked to
the craft by an anti-theft device.
Other various causes
For loss or damage directly or indirectly caused by failure, breakage or rust,
wear and tear, deterioration or depreciation, perishing, fading, mechanical or
electrical breakdown, insects or vermin and consequential loss from any cause
whatsoever.
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