Page 85 - Hollard Namibia – Motor & Household Policy Wording

Pleasure-craft
What is not covered
Use of the pleasure-craft
We do not pay if you use the pleasure-craft for:
o more than 12 nautical miles from the shoreline of Namibia, as well as that of neighbouring countries; o taking part in, or practicing for, racing, speed tests or trials;
o being navigated single-handedly in open waters;
o towing or salvaging other pleasure-craft, other than one in distress;
o being towed, other than when in distress, or when laying up or being fitted out for repairs; o being chartered or hired out;
o carrying fare-paying passengers;
o being used for purposes other than private use.
Illegal activities
We will not cover you for any loss, damage or liability:
o for loss or damage arising from the fact that your pleasure-craft is not seaworthy, or hasn’t been maintained; o that arises when you or anybody else are piloting or towing your pleasure-craft while:
 the person piloting or towing the pleasure-craft was under the influence of intoxicating liquor or drugs; or
 the alcohol content in the person piloting or towing the pleasure-craft blood exceeded the legal limit; or
 the person piloting or towing the pleasure-craft refused to submit to any test to determine the level of alcohol or drugs in their blood when reasonably requested to do so by the authorities.
This is irrespective of the method used to determine the degree of intoxication – for example, a breathalyser test, blood test or witness statements.
o Whilst the pleasure-craft is being moved or towed by any person on land who does not have a valid driver’s license;
o Whilst the pleasure-craft is in the control of any person who does not have a valid Certificate of Competence, as required by legislation.
Incidents not covered
o There is no cover for loss or damage if the pleasure-craft is left unattended off an exposed beach or shoreline.
o There is no cover for theft of motors or if they fall overboard, unless they have been bolted or chained to the hull.
o There is no cover for theft of motors unless the pleasure-craft is stolen at the same time, or there are clear signs of forced entry to the pleasure-craft or place of storage or the outboard motor is securely chained or bolted to it.
o There is no cover for loss or damage to sails and protective covers torn by the wind, or blown away while being hoisted.
o There is no cover for loss or damage to motors, electrical machinery, batteries and their connections, unless caused by other damage to the pleasure-craft, or there has been forced entry to or exit from the pleasure- craft or place of storage. This exception shall not apply if the damage is caused by collision with submerged objects.
o There is no cover for loss or damage resulting from the actions of domestic pets – for example, scratching, biting, chewing, tearing or soiling.
o There is no cover for loss or damage resulting from pests such as moths, rodents or vermin. 83