Page 50 - Personal Underwriting Mandates & Guidelines - Binder - Version 3

Pleasure-craft
○ code C Licence – Limited to 15 nautical miles (Day Skipper)
○ code B Licence – Limited to 40 nautical miles (Coastal skipper)
○ Yacht Master – Unlimited.
Jet-ski’s
Jet-ski’s are also classified into various categories which determine where they can be used. Using it at sea depends on construction, adequacy of safety equipment, buoyancy certificate, COF and COC.
Jet-ski categories are:
○ category R – Inland waters
○ category E – Operating not more than one nautical mile from shore
○ category D – Operating less than five nautical miles from shore
Even if a jet-ski is categorised as a category D (up to five nautical miles to sea) it must still comply with the minimum and relevant skipper’s ticket.
The above should not be regarded as exhaustive. Additional criteria may apply and in all instances consult the SAMSA regulations.
The following must be adhered to in addition to the above:
○ Pleasure-craft used for any kind of commercial activity or used as houseboats are excluded from cover
○ Valid certificate of fitness (COF) must be obtained annually
○ Pleasure-craft with a replacement value exceeding R1 000 000 must be referred and agreed to in writing by the binder underwriting manager
○ No cover may be granted if the pleasure-craft is in the custody or control of anyone under the age of 16 years
○ The person in control of the pleasure-craft must have the appropriate skipper’s licence, for example, an inland
skipper’s licence is not sufficient for ocean navigation
○ Obtain a detailed list of all accessories attached to the pleasure-craft and ensure that the sum insured includes these items
○ Obtain the number of motors, horsepower and note whether they are inboard or outboard motors
○ Ensure that the pleasure-craft is securely stored and safe when not in use
○ Ensure that a radio licence is available where the pleasure-craft will be used on ocean waters
○ Moorings: larger pleasure-craft such as yachts and motorboats are usually left in moorings when not in use. You should satisfy yourself that the moorings are sheltered and safe. Small pleasure-craft are not suitable to be left in moorings, particularly in tidal waves, and should be accepted only if you are satisfied that the proposed mooring is sheltered and safe
○ If the pleasure-craft exceeds 10 years in age, cover should be considered only if an acceptable survey report carried out by a suitably qualified marine surveyor is available. Rubber ducks/semi-rigid vessels require valuations if they are older than five years
○ Amateur-built or converted pleasure-craft can be insured only subsequent to receiving a comprehensive survey report carried out by a suitably qualified independent surveyor
○ Fire extinguishers should be fitted if the pleasure-craft has any lighting, heating and/or cooling systems or an inboard motor. The fire extinguishers should be properly installed, maintained and in efficient working order.
Personal Underwriting Mandates & Guidelines – Binder – Version 3 49