Page 103 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 7 – Watercraft
○ Liability of another person if the other person:
– has never, to your knowledge, been refused insurance
– is not entitled to compensation under any other policy
– is not piloting the watercraft as an employee of a shipyard, slipway, yacht club or similar organisation
– complies with all the terms and conditions of this policy.
○ Driving under the influence
There is no cover for loss, damage, injury or liability that arises when you or anybody else is piloting or towing
your watercraft while:
– under the influence of intoxicating liquor or drugs, or
– the alcohol content in your blood exceeds the legal limit.
This is irrespective of the method used to determine the degree of intoxication – for example, a breathalyser test
or a blood test.
○ We will not be liable while the watercraft is being conveyed by a person who has no valid skipper’s licence or who
is not older than 16 years. If the watercraft is conveyed on land, the driver must have a valid driver’s licence. A valid
skipper’s or driver’s licence is one that:
– has been obtained from the correct authority, for the correct category
– has been renewed on time
– has not lapsed or been cancelled or suspended.
Although we do cover you for general liability towards third parties, this does not include the following
specific cases:
•
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
•
death or bodily injury:
▪ to a member of your family who usually resides with you
▪ to your employee, arising out of and in the course of their employment by you
▪ due to 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
•
conveying the watercraft by land.