YACHT P & I COVER YACHT HULL & MACHINERY COVER YACHT PERSONAL ACCIDENT COVER

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3 YACHT P & I COVER YACHT HULL & MACHINERY COVER YACHT PERSONAL ACCIDENT COVER This booklet contains a brief summary of the various Carina Yachts insurance products that are available. Please note that this does not contain the full terms and conditions of cover; these can be found in the relevant policy document and certificate of insurance. Managers: Tindall Riley & Co Limited, trading as Carina Managers Registered in England and Wales Registered address: Regis House, 45 King William Street, London EC4R 9AN Company No VAT No Authorised and regulated in the UK by the Financial Conduct Authority FRN: CARINA is a registered trademark

4 YACHT P AND I COVER Carina s Yacht P&I Cover is a fixed premium product providing cover to yacht owners, operators and managers for third-party liabilities, costs and expenses as set out below. Scope of Cover Limit of up to US$ 500 million Liabilities to crew and guests on board Water sports including water-skiing, windsurfing and flyboarding Liabilities relating to the yacht s tender and toys are also covered Un boater coverage Liabilities whilst under charter Contractual liabilities Worldwide navigation Excess P&I War risks Additional covers for racing and legal assistance and defence are also available

5 Summary of Risks Covered STANDARD COVER Members of the crew Guests Un Boater Watersports Liabilities whilst under charter Stowaways Loss of or damage to property Wreck Liabilities Pollution Fines Legal costs and sue and labour P&I War Risks cover Contractual liabilities BENEFITS Carina covers liabilities to the crew in respect of illness, injury or death. This includes liabilities arising from the use of water sports equipment belonging to the yacht. The cover includes claims for loss of life, personal injury and illness of guests on board the yacht. Provides compensation for injuries sustained as a result of a collision with another boat that has no liability insurance. Liabilities arising out of the use of the yacht s tender, toys and watersports equipment. Liabilities of the yacht s charterers arising from their use of the yacht whilst under the control of the yacht s master. The costs and expenses of maintaining, landing and repatriating stowaways. Carina covers liabilities arising from a collision between the yacht and any other yacht or ship or with fixed or moveable objects such as docks, marinas and buoys. Carina covers the cost of removing the wreck of the yacht provided there is a legal requirement to do so. Clean-up, pollution prevention measures, liabilities to third parties as well as any associated expenses. There is cover for certain fines that may be incurred in the course of operating the yacht. Carina s policy covers the costs of Correspondents, lawyers, surveyors and experts whose services are considered necessary to handle any claim. Carina s cover is excess of the primary policy up to a limit of US$50 million. The must have in place an underlying war risks P&I policy up to the value of the yacht. Liabilities arising under a contract or indemnity in relation to services or facilities provided to the yacht. LIMIT As agreed between the Insurer and the Insured

6 Additional Covers ADDITIONAL COVER Legal Assistance & Defence Insurance Racing Cover Pre-delivery Crew BENEFITS Carina s policy provides legal advice and expenses cover for disputes arising out of the operation of the yacht. Cover includes involvement in racing activities but excludes professional competitive racing and motor yacht racing. Cover in respect of the s personnel for inspection or familiarisation prior to purchase of the yacht or whilst the yacht is being repaired. LIMIT As agreed between the Insurer and the Insured As agreed between the Insurer and the Insured As agreed between the Insurer and the Insured

7 YACHT HULL AND MACHINERY COVER Carina Yachts hull and machinery cover provides cover for physical loss or damage to the hull and machinery of the yacht, tender and toys as set out in the relevant policy document. Cover can be extended to include fine art and any other high value items on board. Scope of Cover Hull & Machinery cover against physical loss or damage to the yacht Coverage up to Hull value on American Yacht Form R12, Institute Yacht Clauses or bespoke wordings Limits available up to EUR/USD 30 million Worldwide trading limits available Emergency Assistance 24/7 Dedicated Claims Assistance Associated Cover Machinery damage Tenders/toys War/Terrorism/Piracy Personnel effects/contents Onboard equipment Fine Art coverage afforded for high value items Optional Water-skiers Liability

8 YACHT PERSONAL ACCIDENT COVER Carina Yachts Personal Accident cover can be purchased for crew and guests on board the yacht. Cover is also available for family members of the yacht owner. This differs from P&I cover in that claims are payable irrespective of any fault on the part of the. Scope of Cover Worldwide cover available 24-hour PA coverage can be purchased for permanent crew 24/7 medical emergency assistance provided by Intana Specified benefits for crew disability paid regardless of liability Cover also available for family members of the owner and guests for PA on board the yacht Additional cover for Crew Replacement Expenses from accident or sickness and for Medical & Repatriation Expenses Limits available up to EUR/USD 250,000 per person

9 Summary of Benefits PERSONAL ACCIDENT Death Total and irrecoverable loss of sight of both eyes Total and irrecoverable loss of sight of one eye Loss of two limbs Loss of one limb Total and irrecoverable loss of sight of one eye and loss of one limb Permanent Total Disablement (other than total and irrecoverable loss of sight of one or both eyes or loss of limb(s)) Temporary Total Disablement LIMIT Amount stated in the Schedule of Benefits ILLNESS Total and irrecoverable loss of sight of both eyes Permanent Total Disablement by paralysis Temporary Total Disablement LIMIT Amount stated in the Schedule of Benefits

10 Insurer Certain Lloyd s underwriters all of which are rated A+ by Standard & Poor s and details of which are available on request. Tindall Riley & Co Limited trading as Carina Managers operates as a Coverholder pursuant to a binding authority agreement with the said Lloyd s underwriters. Further information For further information please contact: Carina Managers Regis House 45 King William Street London EC4R 9AN Tel: +44(0) Fax: +44(0)

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12 Managers: Tindall Riley & Co Limited, trading as Carina Managers Registered in England and Wales Registered address: Regis House, 45 King William Street, London EC4R 9AN Company No VAT No Authorised and regulated in the UK by the Financial Conduct Authority FRN: CARINA is a registered trademark

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