Page 49 - Personal Underwriting Mandates & Guidelines - Binder - Version 3

Pleasure-craft
PLEASURE-CRAFT
Pleasure-craft does not include boats used for commercial purpose or ocean-going yachts. It is intended to provide cover for small craft used for pleasure, such as motorboats, ski boats, jet-ski’s, dinghies and small sailing boats.
Pleasure-craft use is restricted to:
○ Private use
You may use your pleasure-craft only for private use (social, domestic and pleasure), as well as emergency tow- and-assist.
○ Tow-and-assist
You may use your pleasure-craft to lend emergency assistance to other pleasure-craft in distress. Your pleasure-
craft may also be towed when in distress.
The following uses are always excluded
Under no circumstances will the pleasure-craft be covered when it is:
○ taking part in, or practising for, racing, speed tests or trials
○ being navigated single-handedly in open waters
○ towing or salvaging other pleasure-craft, other than one in distress
○ being towed, other than when in distress, or when laying-up or being fitted out for repairs
○ being chartered, hired out, used as a demo or for commercial use
○ carrying fare-paying passengers.
Important information and SAMSA legislation
The safety specifications prescribed by the manufacturer of the vessel/craft must be adhered to at all times.
From March 2009, all vessels are regulated by the South African Maritime Safety Authority. SAMSA legislation requires of any vessel of 15hp or greater to comply with safety regulations and have a Certificate of Fitness (COF) which must be renewed annually. The user of the vessel/craft must have an applicable skipper’s ticket/licence which is also referred to as a Certificate of Competence (COC).
The Small Vessel Code, as laid down by SAMSA, determines the distance from shore and is categorised per licence type.
Open waters
Although an element of reasonableness must be exercised at all times, “open waters” are generally accepted to be high seas in Marine circles, which is 10 nautical miles off shore.
Certificate of Competence
At claims stage, the skipper of a pleasure-craft will need to provide a copy of their skipper’s license.
○ ○
code R Licence – Limited to inland
code E Licence – Limited to one nautical mile (Day skipper first level)
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Personal Underwriting Mandates & Guidelines – Binder – Version 3