The Scout Marine Insurance Policy. In association with Navigators and General

Transcription

1 The Scout Marine Insurance Policy In association with Navigators and General

2 Contents Definitions 5 Making a claim 6 Loss or damage to your craft 7 Liability to others 9 Policy exclusions 10 Additional exclusions to apply to craft with 12 a maximum design speed in excess of 17 knots or 20 m.p.h Policy conditions 13 Our complaints procedure 15 2

3 Unity Insurance Services This is your Scout Marine Insurance Policy, which explains your insurance protection in detail. Please read it carefully and keep it in a safe place. Please also check your Policy schedule, to ensure the details are correct. If, after reading your Policy, you have any questions or need to make any amendments, please contact Unity Insurance Services, as soon as possible: Unity Insurance Services Lancing Business Park Lancing, West Sussex BN15 8UG scouts@unityins.co.uk On-line: Telephone: Governing Law Your policy is governed by the law that applies to where you reside within the United Kingdom, Channel Islands or Isle of Man. If you do not reside within the UK, Channel Islands or Isle of Man or if there is any disagreement about which law applies, English law will apply. In which case, you agree to submit to the exclusive jurisdiction of the courts in England and Wales. Unless agreed otherwise, we will communicate to you in English. Relevant to the entire Policy This Policy is an agreement between you and us but is only valid if you pay the premiums. It is based on the information you gave and confirmed to us during the application process or subsequently. Your Policy provides the cover for the period of insurance shown in your schedule. You must read these terms and conditions together with your schedule and any specifications or endorsements as one contract. You must tell us immediately if at any time the information on which this insurance is based is incorrect or changes. For example, if you change your Craft, its mooring location or usage or anyone covered by this Policy is convicted of an offence. Failure to do so may result in your insurance no longer being valid and claims not being met. If in doubt about any change, please let us know. The changes, if accepted by us will apply from the date indicated on your updated schedule. In this case, we will be entitled to vary the premium and terms for the rest of the period of insurance. You should keep as record (including copies of all letters) of all information supplied to us in connection with this insurance. 3

4 How we will use your data We hold your personal data in accordance with the Data Protection Act The information supplied to us by you may be held on computer and passed to other insurers for underwriting and claims purposes. You should show this to anyone whose personal data may be processed to administer this policy. Policy Administration In order to administer your insurance policy and any claims made under this policy we may share personal data provided to us with other companies within the Zurich Insurance Group and with business partners including companies inside and outside the European Economic Area. If we do transfer your personal data including where we propose a change of underwriter we make sure that it is appropriately protected. Claims History Under the conditions of this policy you must tell us about any insurance related incidents such as fire, water damage, theft or an accident whether or not they give rise to a claim. When you tell us about an incident we will pass information relating to it to the relevant database. We may search these databases when you apply for insurance or in the event of any incident or claim or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim. Fraud Prevention & Detection In order to prevent and detect fraud we may at any time: a) share information about you with other organisations including the police b) undertake credit searches c) check and share your details with fraud prevention and detection agencies. If false or inaccurate information is provided and fraud is identified details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering for example when: a) checking details on applications for credit and credit related or other facilities b) managing credit and credit related accounts or facilities c) recovering debt and tracing beneficiaries d) checking details on proposals and claims for all types of insurance e) checking details of job applicants and employees. Please contact us if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. 4

5 Definitions Certain words have specific meanings when they appear in this Policy. These meanings are shown below or in the section where they apply. They are printed in bold. In this policy the words you, your and yours refer to the person or persons named in the Policy Documentation as the insured. The words we, us and our mean Navigators and General. Agreed Value: this is the amount shown in the Policy Documentation, which represents the value of your Craft as declared by you and agreed by us. Craft: your Craft described in the Policy Documentation including trolleys and trailers; outboard motors; gear and equipment that would normally be sold with your Craft. Europe: European Union member states as well as Croatia, Norway and Switzerland. Excess: the amount that will be deducted or collected in the event of a claim. Loss or Damage: fire; theft; accidental and malicious damage. Marina: a secure and sheltered mooring complex, providing controlled access to berths or pontoons. Excluding facilities with floating or temporary breakwaters. Policy Documentation: Policy, schedule, endorsements, renewal notice and certificate of insurance (where issued). Profession: any business, trade or profession. This includes delivery skippers unless named in the Policy Documentation. Terrorism: the use or threat of violence or force, designed to influence the government or to intimidate the public, for the purpose of advancing a political, religious or ideological cause. Total Loss: your Craft is irretrievably lost or destroyed. A constructive Total Loss is where the cost of replacement or repair exceeds the sum insured. United Kingdom: England, Wales, Northern Ireland, Scotland, Isle of Man and Channel Islands. 5

6 Making a claim To make a claim or report an incident, please contact Unity Insurance Services. Telephone: scouts@unityins.co.uk On-line: We will need to know: your name, address and telephone number, name of Group, Unit, District or County the place where the incident occurred what caused the incident contact details of witnesses and third parties, where known You must tell us immediately about any accidents, claims or legal proceedings in connection with this Policy, and give us all the information and help we may need, including contact details of all witnesses, likely claimants and persons against whom any recovery might be made. You must send any writ, summons or comparable foreign documentation to us immediately it is received. We will decide how to settle or defend a claim, and may bring or defend proceedings in the name of any person covered by the Policy, including proceedings for recovering any claim. You must report any loss, theft, attempted theft or malicious damage to the police immediately and obtain a crime reference. We will pay reasonable costs incurred by you in respect of official inquiries and/or coroners inquests. We will also pay reasonable costs incurred by you, subject to our prior approval, for settling or defending any claim. We retain the option to decide where the repairs are carried out and may require a number of quotations. For additional information, please read our Claims Advice Notes. 6

7 Loss or damage to your Craft What is covered We will pay you for Loss or Damage to your Craft whilst it is: afloat on inland and coastal waters, up to 12 nautical miles offshore, of the United Kingdom and Europe ashore in transit by road all in accordance with the limits and requirements shown within the Policy Documentation. What we will pay We will pay the reasonable cost of replacement or repair, less the Excess, for Loss or Damage to your Craft. In the event of a Total Loss or constructive Total Loss, we will either pay the Agreed Value of your Craft or provide a replacement craft of a similar age, size and type. No Excess will apply if your Craft is a Total Loss. Reasonable replacement or repair to be considered sufficient, even if the appearance and condition of your Craft is not the same as prior to the claim. In the event of Loss or Damage to outboard motors we will pay the current replacement price less 10% for every year since the date of manufacture of the outboard motor, up to a maximum deduction of 50%. In the event of Loss or Damage to specified trailers or trolleys We will pay the full cost of repair or replacement, up to the amount shown in the Policy Documentation. In the event of Loss or Damage to sails or protective covers up to three years old We will pay the full cost of repair or replacement, up to the amount shown in the Policy Documentation. Where sails or protective covers are more than three years old we will pay two-thirds of the replacement cost. Extension Grounding We will pay the reasonable costs of inspecting your Craft, less the Excess, following grounding even if no damage is found. Preventing or minimising a Loss We will pay reasonable costs incurred, including salvage, in preventing or minimising a loss covered by this insurance. In no case will we pay for unrepaired damage in the event of a subsequent Total Loss. 7

8 Clauses Mooring Your Craft must be kept ashore when left unattended, unless otherwise agreed. Excess 35 increased to 50 whilst the Craft is used for private and pleasure purposes. However, in respect of Your Craft which are 16 6 (5m) in length or longer they are permitted to be moored: a) on a secure inland non-tidal mooring b) on a recognised marina berth at any time and temporarily on a mooring or anchorage recognised within a nautical chart or almanac during the period 1st April to 30th September for a period not exceeding 28 days. 8

9 Liability to others What is covered We will cover your legal liabilities if someone dies or is injured, or property is lost or damaged as a result of your interest in your Craft. Limit of Liability Our liability under this section shall not exceed 2,000,000 anyone accident or series of accidents arising out of the same event plus all legal costs incurred with Our prior consent. Extensions The following Extensions apply to the Policy: 1) Private and pleasure use with your permission including the legal liability of persons in charge and in control of your Craft with your permission whilst used for private and pleasure purposes as shown within the Policy Documentation 2) Pollution including pollution related clean up costs resulting from a sudden identifiable, unintended and unexpected incident occurring entirely at a specific time and place 3) Removal of wreck including the reasonable costs of attempted or actual raising, removal or destruction of the wreck of your Craft or any failure to do so, resulting from Loss or Damage covered by insurance provided always that: a) the total liability shall not exceed the Limit of Liability b) we shall have the sole conduct and control of all claims 4) Member to member if the Policyholder comprises of more than one party we will indemnify each party as though a separate policy had been issued to each of them. Clause Excess The Excess does not apply to this section of the Policy. 9

10 Policy Exclusions We will not pay for any claims arising from: a reduction in the market value of your Craft warranty coverage or rating following repair accidents or illness to persons contracted by you, in any capacity whatsoever, in connection with your Craft any accident or incident that occurs outside the period of insurance any chemical, biological, bio-chemical or electromagnetic weapon; ionising radiation, radioactivity, nuclear fuel, nuclear waste or nuclear equipment capture, seizure, arrest, restraint or detainment damage sustained in consequence of insufficient packing of items dispatched to or by repairers or suppliers deception by you failure, fault or breakage of electrical equipment fines, penalties or punitive damages hire, charter, reward or any other commercial activity, unless you have written agreement from us liabilities whilst your Craft is in transit by road liabilities assumed under contract, incurred solely by an agreement entered into by you liabilities whilst your Craft is in the care, custody or control of any business, trade or profession. This includes delivery skippers liabilities in respect of hand or foot propelled craft, or sailing craft or other craft not exceeding 5 metres in overall length made or intended to float on, or in, or travel through water. Including loading and unloading Loss or Damage to consumable stores loss of use of your Craft malicious computer codes. Computer software, programs or data mechanical, electrical or electronic breakdowns, failures, faults or breakages scratching, denting, bruising or chafing whilst in transit by road, rail, air or ferry Terrorism the failure of a computer chip or computer software to recognise a true calendar date the need to make good any defect in repair or maintenance, resulting from work carried out by any person employed by you the need to replace, repair or renew faulty parts or defective materials 10

11 the need to put right any fault or error in design or construction theft of outboard motors attached to your Craft or her tender(s) unless they are securely locked by anti-theft devices, which prevent retaining bolts/clamps being undone, in addition to their normal method of attachment theft from the interior of your Craft unless violence and force are used to break into your Craft or place of storage theft of fixed gear and equipment from the exterior of the your Craft unless violence or force are used theft of sailboard unless the theft involves forcible and violent entry or removal war, invasion, civil war, conflict or commotion wear, tear, depreciation or gradual deterioration your failure to maintain your Craft in a seaworthy condition or in the case of a trailer, roadworthy condition your Craft undertaking towage or salvage services under a pre-arranged contract. However, your Craft may assist or tow boats in distress your Craft crossing the English Channel, Irish or North seas your Craft being more than 12 miles offshore theft of sailboard from an unattended vehicle unless it is attached to a locked roof rack and is fitted with and secured by an anti-theft device, in addition to its normal method of attachment 11

12 Additional exclusions to apply to Craft with a maximum design speed in excess of 17 knots or 20 m.p.h We will not pay for: Loss or Damage or liability whilst your Craft is participating in racing, speed tests or connected trails Loss or Damage or liability in respect of fire or explosion, where your Craft is fitted with inboard machinery unless it is equipped with automatic or remote controlled fire extinguishing apparatus in the engine compartment theft of the trailer, and any insured items attached to it, whilst unattended unless the trailer has been securely fastened by a wheel clamp or hitchlock. 12

13 Policy conditions Assignment This Policy is non-transferable. Cancellation by us We may cancel this Policy at any time subject to 30 days notice to your last known address. Any return premium will be calculated on a pro-rata basis but no refund will be given if a total loss claim has been paid or is outstanding at the time of the cancellation. If you are paying your premium by instalments and you miss a payment, we may cancel your cover giving you seven days notice to your last known address. Subject always to a minimum retained premium of 50, plus insurance premium tax. Cancellation by You You may cancel this Policy at any time by telephoning us or by writing to us and advising us of the date you wish cancellation to be effective from and returning the Policy Documentation. Any return premium will be calculated on a pro-rata basis but no refund will be given if a total loss claim has been paid or is outstanding at the time of the cancellation. Subject always to a minimum retained premium of 50, plus insurance premium tax. Change of ownership Should your Craft be sold or transferred to new ownership or there is a change in interest, this Policy will be cancelled from the relevant date. Claim payment Unless stated in no case will we, under any section, pay more than the sum insured shown against that item in the Policy Documentation. Competence Those in charge of your Craft with your permission must have satisfied you of their competence, prior to your agreement. Currency Where an amount is given within this Policy and the currency shown on the Policy Documentation is other than Sterling ( ), the equivalent currency amount will apply. This will be calculated on the day the loss occurred, using the rate as quoted by the Bank of England. Due care and diligence You must exercise due care and diligence at all times and do all you reasonably can to prevent Loss or Damage to your Craft. 13

14 Excess In the event of a claim under more than one section of this Policy, the highest Excess will apply. Fraudulent Claim If a claim is fraudulent or false in any way, we will not make any payment and the Policy will be void. There will be no refund of premium. Notifying us of a change You must tell us if any of the information on which this insurance is based changes. Failure to do so may result in your insurance no longer being valid and claims not met. If in doubt about any change you should disclose it. If your Policy is amended as a result of any change, we will be entitled to vary the premium and terms for the rest of the period of insurance. You should keep a record (including copies of letters) of all information supplied to us in connection with this insurance. Other insurance If any claim is covered by another insurance, we will not pay the claim. Responsibility Everyone covered by this Policy must follow the Policy terms and conditions. Rights of third parties No person who is not party to this Policy, or to whom cover is not expressly extended, may enforce any term of this Policy. If you replace your Craft, its permanent mooring or how you use it, your insurance will no longer be valid and claims will not be met until revised Policy Documentation has been issued by us. 14

15 Our complaints procedure We value the opportunity to investigate any concerns you may have about any aspect of our service. We are committed to handling all complaints fairly, thoroughly and promptly. Who to contact in the first instance In the first instance, if you have a complaint about your Policy or claim, you should contact Unity Insurance Services directly on: Or if you prefer, you may write to Unity Insurance Services The address to use is: Unity Insurance Services Lancing Business Park Lancing West Sussex BN15 8UG Complaints procedure leaflet A leaflet containing full details of our complaint procedure will be provided during the complaint handling process and is available on request. The Financial Ombudsman Service (FOS) If we are unable to resolve your complaint to your satisfaction within eight weeks, or if you remain dissatisfied following receipt of our final response letter, you can ask the FOS to formally review your case. You must contact the FOS within six months of our final response. The FOS contact details are as follows: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR You can telephone for free on: for people phoning from a fixed line (for example, a landline at home) for mobile-phone users who pay a monthly charge for calls to numbers starting at 01 or 02 Or complaint.info@financialombudsman.org.uk This is a free and impartial service and will not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint. 15

16 NG ( ) (02/14) RRD Unity Insurance Services is a trading name of Scout Insurance Services Limited. Authorised and Regulated by the Financial Conduct Authority FRN: ; 75 Lancing Business Park Lancing West Sussex BN15 8UF Tel: Fax: scouts@unityins.co.uk. Registered in London (company No ) Registered Office, Gilwell Park Chingford E4 7QW, A wholly owned subsidiary of The Scout Association. Navigators and General is a trading name of Zurich Insurance plc. Underwritten and administered by Zurich Insurance plc. A public limited company incorporated in Ireland. Registration No Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA s Financial Services Register via their website or by contacting them on Our FCA Firm Reference Number is Communications may be monitored or recorded to improve our service and for security and regulatory purposes. Copyright Zurich Insurance plc All rights reserved. Reproduction, adaptation or translation without prior written permission is prohibited except as allowed under copyright laws.