Page 112 - Policy Wording - Hollard Prestige Portfolio 1.4

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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:
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:
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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.
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023