1. Death or bodily injury to any person other than you or other than as specified in exclusions (a) to (j) below.
2. Loss or damage to property not belonging to you or a permitted user.
3. Attempted or actual raising, removal or destruction of the wreck of the Craft or any negligence or failure to raise, remove or destroy the wreck.
4. Expenses incurred by you with Insurers prior written consent in connection with official Inquiries and Coroners’ Inquests.
5. Legal costs incurred with the Insurers written consent, in defending any action or contesting liability in a Civil Court. Similar legal costs in connection with any criminal prosecution may be considered at the Insurer’s discretion.

Exclusions:
The Insurers will not indemnify you or any permitted user after instruction, against legal liability for:

1. Death or bodily injury in respect of any person employed in any capacity by you in connection with the Craft or similarly employed by any person using the Craft with your permission.
2. Accidents caused by or to waterskiers, kneeboarders, or others involved in activities of a similar kind, including the use of ‘watertoys’, whilst being towed or preparing to be towed by the craft or until safely back on board the Craft.
3. Accidents caused by or to any person engaged in kiting or other airborne sport whilst being towed by the Craft or preparing to be towed or until safely back on board the Craft.
4. Accidents occurring while the Craft is in transit by mechanically propelled road vehicle, rail, ship or aircraft.
5. Accidents involving the trailer except when intentionally not coupled to a towing vehicle.
6. Death of or bodily injury to fare-paying passengers or loss of or damage to their property.
7. Damages or penalties arising solely under a contract.
8. Fines or other penalties imposed under any statutory code or common law in respect of any offence committed.
9. Medical Expenses incurred by you or by a person permitted to use the Craft.
10. Punitive or exemplary damages howsoever described.

1. THE CRAFT AND/OR TRAILER IF THEY ARE USED FOR RACING OR ANY COMPETITION INVOLVING SPEED OR FOR ANY PURPOSE OTHER THAN PRIVATE PLEASURE PURPOSES UNLESS SPECIFICALLY AGREED WITH UNDERWRITERS AND THE POLICY ENDORSED ACCORDINGLY.
2. LOSS, DAMAGE, EXPENSE OR LIABILITY DIRECTLY OR INDIRECTLY ARISING FROM CAPTURE, SEIZURE, ARREST, RESTRAINT OR DETAINMENT, WAR, TERRORISM, CIVIL WAR, REVOLUTION, REBELLION, INSURRECTION, CIVIL CONFLICT OR COMMOTION.
3. AGAINST LOSS, DAMAGE, EXPENSE OR LIABILITY ARISING OUT OF THE ACTIONS OF STRIKERS, LOCKED OUT WORKMEN OR PERSONS TAKING PART IN LABOUR DISTURBANCES, RIOTS OR CIVIL COMMOTIONS, DAMAGE CAUSED BY PRESSURE WAVES FROM AIRCRAFT AND OTHER AERIAL DEVICES TRAVELLING AT SONIC OR SUPERSONIC SPEEDS.
4. ANY LOSS, DAMAGE, EXPENSE OR LIABILITY DIRECTLY OR INDIRECTLY CAUSED BY OR CONTRIBUTED TO BY OR ARISING FROM:
   1. IONISING RADIATIONS OR CONTAMINATION BY RADIOACTIVITY FROM ANY NUCLEAR FUEL OR FROM ANY NUCLEAR WASTE FROM THE COMBUSTION OF NUCLEAR FUEL.
   2. RADIOACTIVE, TOXIC, EXPLOSIVE OR ANY OTHER HAZARDOUS PROPERTIES OF ANY NUCLEAR ASSEMBLY OR NUCLEAR COMPONENT THEREOF.
   3. ANY WEAPON OR DEVICE EMPLOYING ATOMIC OR NUCLEAR FISSION AND/OR FUSION OR OTHER LIKE REACTION OR RADIOACTIVE FORCE OR MATTER.
   4. THE RADIOACTIVE, TOXIC, EXPLOSIVE OR OTHER HAZARDOUS OR CONTAMINATING PROPERTIES OF ANY RADIOACTIVE MATTER. THE EXCLUSION IN THIS SUB-CLAUSE DOES NOT EXTEND TO RADIOACTIVE ISOTOPES, OTHER THAN NUCLEAR FUEL WHEN SUCH ISOTOPES ARE BEING PREPARED, CARRIED, STORED, OR USED FOR COMMERCIAL, AGRICULTURAL, MEDICAL, SCIENTIFIC OR SIMILAR PEACEFUL PURPOSES.

Section 3 – Claims and Accidents (General Conditions and Procedures)

Notification

1. In the event of any occurrence which may give rise to a claim under this Insurance Policy notice must be given to the Insurers as soon as possible through RJP Marine.
2. Full details of the occurrence must be given in writing as soon as possible thereafter with names and addresses of witnesses and any third parties and you must give the Insurers whatever assistance and information they may require.
3. You must send to the Insurers via RJP Marine as soon as You must send to the Insurers via RJP Marine as soon as possible, and unanswered, all claims letters, summonses, writs or documents which you receive from third parties and give the Insurers whatever assistance and information they may require.

1. If you have obtained cover through the omission, misrepresentation or suppression of any facts, truths or circumstances known to you which could have influenced the Insurers assessment and acceptance of the risk or offer of renewal.
2. If you deliberately omit, misrepresent or suppress any facts, truths or circumstances in support of a claim under this Insurance Policy.

In any such event you shall lose all your rights under this Insurance Policy or any subsequent renewal but the Insurers will nevertheless be entitled to retain the full premium.

Duties as Owner Warranty
It is warranted that you will take all reasonable steps to maintain the Craft in a proper state of seaworthiness and to prevent or minimise any loss or damage.

Assignment Or Transfer Of Insurance
This insurance is a contract personal to you and is not assignable or transferable unless agreed in writing between you and the Insurers.

Sale or Transfer of Ownership
If the Craft or any interest in it is sold or transferred to new ownership then, unless the Insurers agree in writing to continue the insurance, this Insurance Policy shall be automatically cancelled from the time of sale or transfer.

Cancellation
This insurance may be cancelled by the Insurers at any time subject to 15 days written notice to the Policyholder or his Agent, or by mutual agreement. The premium is payable in full and no refund shall be allowed should you cancel the policy during the period of insurance.

No Claims Discount
In the event of no claims being paid or outstanding at the expiry of 12 months insurance the renewal premium calculated using rates applicable at the renewal date will be reduced as follows:

• By 5% after 1 year
• By 10% after 2 consecutive years
• By 15% after 3 consecutive years
• By 20% after 4 consecutive years