SPECIALIST RIB/BOAT INSURANCE

Westfield Sub Aqua & Marine Insurance Services Ltd. have been insuring Sport Divers since 1972, with tailor-made policies, and can boast of insuring a great many UK dive clubs and individual divers throughout the country.

The Westfield Boat Insurance Policy is underwritten by Axa Insurance via Towergate Marine on a specifically designed policy for Ribs and sport diving activity.

The policy includes various elements of cover that standard marine policies will not, such as liability cover against causing injury to your own divers whilst in the water i.e. your own crew members. We see this as a most important part of the policy as we understand the craft is often used to transport and collect divers to and from the dive sites.

We also cover the Lower Leg of the engine and subsequent damage resultant from the striking of underwater or floating objects. Water ski cover may also be included if required and we are often able to agree moorings if the craft is not kept at home.

JUST CLICK HERE FOR A FREE QUOTATION AND WE WILL BE HAPPY TO SEND THE REQUIRED DETAILS TO YOU.

SUMMARY OF COVER
SUBJECT TO POLICY TERMS & CONDITIONS

• THIRD PARTY LIABILITY COVER, £3,000,000.
  
• MEMBER TO MEMBER LIABILITY, COVER £3,000,000 (i.e. LIABILITY TO DIVERS IN THE WATER).
  
• INSTRUCTOR TO PUPIL LIABILITY (NON FEE PAYING BASIS).
  
• WATER SKI LIABILITY IF SELECTED, COVER £1,000,000.
  
• THEFT COVER.
  
• ACCIDENTAL DAMAGE.
  
• WIDE OFF SHORE COVER.
  
• 12 MONTHS IN COMMISSION.
  
• ROAD TRANSIT COVER TO BOAT, TRAILER & ENGINE
  
• ACCIDENTAL DAMAGE TO LOWER LEG/PROP i.e. STRIKING UNDERWATER OR FLOATING OBJECTS
  
• DAMAGE TO BOAT FROM STRIKING UNDERWATER OR FLOATING OBJECTS INCLUDED.
  
• COVER WHILST CARRYING OXYGEN THERAPY SETS.
  
• ARRANGEMENTS CAN BE MADE FOR BOATS ON MOORINGS.
  
• USE FOR BOAT HANDLING COURSES IS INCLUDED (SUBJECT TO A NON FEE PAYING BASIS).
  
• NO CLAIMS BONUS OF UP TO 25% DISCOUNT.
  
• POLICY EXCESS

  SUM INSURED	EXCESS
  Up to £15,000.00	£150.00
  £15,000.01 to £20,000.00	£200.00
  £20,000.01 to £30,000.00	£300.00

• WHEEL CLAMP WARRANTY APPLIES.
  
• ENGINE SECURITY WARRANTIES APPLY.
  

POLICIES ALSO AVAILABLE FOR SCHOOLS & DIVE CENTRES!

Frequently Asked Questions

The Stay Afloat Policy Summary

Summary of cover
This is a summary of the insurance provided for pleasure craft by Axa Insurance UK plc. It does not contain the full policy terms and conditions.
You can find full details of the cover provided, including definitions, terms and conditions in the policy booklet. It is important that you read the policy booklet carefully when you get it.

Name of the insurance undertaking
The insurer for all sections of this policy is Axa Insurance UK plc.

Type of insurance and cover
Your Pleasurecraft policy is a multi-section insurance policy. It protects your boat and your liability to other people, including passengers in your boat. The insurance protection applies while your boat is in commission or while it is laid up, provided you use it within the cruising limits you have chosen.

Section 1 Loss or damage - see loss or damage section of your policy booklet for details

Significant features and benefits
You are insured for:
* Accidental loss or damage to your boat, including any outboard motors, trailers or other gear and equipment.
* Theft of your gear and equipment from either your boat, or place of storage (as long as there is forcible entry or it is forcibly removed).
* Outboard motors are insured if they drop off or fall overboard.
* Towing your boat behind your car or while it is carried by a professional haulier. This is automatically insured provided your boat is no more than 30 feet in length.
* Damage to underwater machinery on your boat (you only pay your standard policy excess).
* Using your boat throughout Europe and the Republic of Ireland for up to 30 days at a time (not just 30 days each year). This only applies to small craft, under 16 feet 6 inches in length.
* Salvage charges necessary to save your boat from a loss.
* Sighting costs after a stranding.
* Loss or damage caused by an authority trying to reduce or stop a pollution threat.
* Using your boat at night as long as the helmsman has the necessary qualification.

Significant or unusual exclusions or limitations
You are not insured for:
* Theft of outboard motors unless they are secured to your boat with an outboard motor lock, or stolen from a locked building ashore.
* Theft of your trailer and any insured property on it, unless the trailer is secured with a wheel clamp (where we agree).
* Wear and tear, corrosion, loss of value because of age and use; or loss of value of your boat after it has been repaired.
* Theft of or loss or damage to personal belongings, or special equipment (unless they are specified in your policy schedule), stores, moorings, fishing gear, diving equipment, wet suits, tow ropes, water skis, or similar equipment or any personal expenses you pay as a result of loss or damage to your boat.
* Loss or damage to motors, machinery, equipment or batteries caused by mechanical or electrical breakdown or failure, or electronic or computer breakdown or failure.
* The excess shown in your policy schedule (except if your boat is a total loss).
* We will not pay more than the value shown in your policy schedule for your boat or any specified item.

Section 2 Liabilities to third parties and passengers - see Liability to third parties and passengers section of your policy booklet and endorsements for details

Significant features and benefits
You are insured as owner of your boat for:
* Death or injury caused to passengers in your boat, or to other people.
* Death or injury caused to other members of the club or association.
* Damage you cause to any other property.
* Death or injury caused to other people arising from the carrying and use of therapeutic oxygen resuscitation equipment that you own.
* Raising or attempted raising, removing or destroying the wreck of your boat, or if you fail to remove or destroy it.
* Other people using your boat with your permission.

Your policy excess does not apply to claims under this section.
The maximum amount we will pay is shown in your policy schedule, plus legal fees.

Significant or unusual exclusions or limitations
You are not insured for liability arising from: * Or to anyone you employ.
* Or to an employee of anyone using your boat.
* Or to fare paying passengers, (unless we agree).
* Or to water skiers (unless we agree), parascenders.
* Failure to administer therapeutic oxygen; the person administering therapeutic oxygen not holding a valid certificate; therapeutic oxygen resuscitation equipment not being tested and maintained in good working order.
* Accidents while your boat is in transit by road or while your trailer is attached to a road vehicle (your motor insurers will insure this).
* Accidents while your boat is in transit by rail, air, ferry or sea.
* The Employers Liability Acts or any other law relating to workmen.
* Any person employed in the marine trade who uses your boat (see your policy booklet for a full list of these people).

Section 3 Personal accident - see Personal accident section of your policy booklet for details

Significant features and benefits
You are insured for accidental death or injury while you are on your boat, or getting on or off it.
* A benefit will be paid for death or loss of limbs or sight; or permanent total disablement.

This cover applies to you and your passengers.

Significant or unusual exclusions or limitations
You are not insured for death or disablement:
* that happens more than 12 months after the date the injury was sustained.
* if you or your passengers are paid compensation under section 2 of your policy.
* to anyone who is under 18 or over 70 at the time of the accident.

We will not pay compensation under more than one of the categories for the same accident.
The most we will pay in any one period of insurance is £20,000.

Significant or unusual exclusions or limitations to all sections
* Any specific exclusions or limitations shown in your policy schedule.
* You are not insured for any use other than private pleasure unless it is shown in your schedule.
* You should not use your boat outside the cruising limits shown in your policy booklet and schedule.
* Radioactive contamination, sonic bangs, war risks, terrorism, riot and civil commotion.
* You are not insured to use your boat as a houseboat (unless we agree).
* You should refer to the General policy exclusions in Section 5 of your policy booklet for full details of all the exclusions that apply to all sections of your policy.

You must comply with the conditions of the policy explained in Section 6 - General policy conditions for the insurance cover to apply. These include your duty to take reasonable steps to protect your insured property from loss or damage and keep your boat in a seaworthy condition.

Optional extensions:
Water skiers liability - you can extend your policy to include legal liability to and of water skiers being towed behind your boat.

Policy period
Your policy is an annually renewable policy.
Cancellation
You have 14 days to change your mind about this insurance. The 14 days starts from the day after the day you received your policy booklet, or the day you bought the insurance contract, whichever is the later.
You will find full details of the conditions for cancelling your policy in the policy booklet.
Claims
You must report any claims to Westfield Sub Aqua & Marine Insurance Services Ltd at Clasford Lodge, Clasford Farm, Aldershot Road, Guildford, Surrey GU3 3HQ Tel:0870 830 8186 or to AXA Insurance UK plc immediately. The telephone number for AXA Insurance is 0870 366 2105 and the address is: AXA Insurance UK plc, Civic Drive, Ipswich IP1 2AN. If you telephone, please make sure you have your policy number ready to quote.
Complaints
We hope you will be very happy with the service we give to you. If you are not satisfied we would like to hear from you. Please refer to your policy booklet for full details of our complaints procedure. We take all complaints we receive seriously and will handle any complaint promptly and fairly. If you make a complaint, we will acknowledge it promptly, explain how we will handle it, tell you what you need to do and tell you how your complaint is progressing.

AXA Insurance UK plc are members of the Financial Ombudsman Service (FOS). If you have complained to us and we have not been able to resolve your complaint, you may be able to refer it to this independent body.
Financial Services Compensation Scheme (FSCS)
Axa Insurance is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme. Compensation under the scheme for:
* Compulsory insurance is covered in full.
* Non-compulsory insurance is protected in full for the first £2,000 and 90% of any amount above this threshold.
You can get full details at www.FSCS.org.uk.

Axa Insurance UK plc, registered in England no. 78950. Registered office: 107 Cheapside, London, EC2V 6DU. Authorised and regulated by the Financial Services Authority.