Page 102 - Policy Wording - Hollard Prestige Portfolio

100 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 7 – Watercraft
B. WATERCRAFT LIABILITY
Specific definitions for this section
○ Liability to third parties means legal liability for amounts that you must pay as payment, due to an insured cause
in connection with the watercraft, other than on land, to third parties. We will pay for a single claim or series of
claims up to the maximum sum insured stated in the schedule.
○ Liability if another person navigates your watercraft means legal liability up to the sum insured stated in the
schedule if someone else is piloting your watercraft with your permission, they too will be covered.
○ Liability of water-skiers or para-sailors means legal liability for amounts up to the limits stated in the schedule
you are liable to pay arising out of people being towed by you while water-skiing, para-sailing, aquaplaning or
kiting.
○ Passenger liability means we will pay you for amounts up to the limit stated in the schedule which you are legally
liable to pay a person who, at the time of the event, is transported in or on the watercraft.
What is not covered
○ Liability due to accidental death or bodily injury to you or a member of your household or family, or any person
in your service if the liability arises from the service:
– any advice or treatment, other than first-aid treatment, given or administered by you or by any person
acting on your behalf
– liability of a third party accepted by you in an agreement, unless you would have been liable even without
the agreement
– accidental death or bodily injury to a fare-paying passenger or their property
– damage to property belonging to, or in the custody and control of you, a member of your household or
family, or any person in your service
– damage to property being transported in or on the watercraft
– a third party due to seepage, pollution or contamination, or the cost of removing, nullifying or cleaning,
unless it is caused by a sudden, unintended and unforeseen occurrence
– loss or damage to property for which you are responsible while conveyed on the watercraft, except if it
belongs to passengers or water-skiers.
○ Liability, costs or expenses which arise:
– during the transport of the watercraft by land
– as a result of the watercraft not being seaworthy or maintained
– if the watercraft is used for any purpose other than social, pleasure and domestic use.