Your Pleasure Craft - Allianz...Your Pleasure Craft Policy 2 Introduction Allianz p.l.c. trading as Allianz agrees, in consideration of premium payment to Us, to insure You against

Your Pleasure CraftPolicy

Pleasure Craft

Direct

Allianz 330 SCH 11.12 KD Cover 04/06/2013 14:04 Page 2


Your Pleasure Craft Policy

Contents

Page

2 Introduction

3-4 Definitions

Section 1: 6 Damage to Your Vessel

Section 2: 7-8 Liabilities to Third Parties

Section 3: 9 Personal Accident

10-12 General Exclusions

13-14 Conditions

15-16 Extensions

17-19 Endorsements

20 Making a Claim

21-22 Consumer Information

Allianz 330 SCH 11.12 KD 04/06/2013 14:05 Page 1


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Introduction

Allianz p.l.c. trading as Allianz agrees, inconsideration of premium payment to Us, toinsure You against loss, damage, liability orexpense in the manner provided for withinthis policy subject to the exclusions hereinset out and to the limit of indemnity andexcess set out in the schedule hereto. Thecontract between Us consists of this policywording and the schedule hereto and inaddition, the declarations and informationprovided by You (whether by Statement ofFact/proposal form or otherwise) form part,and are the basis, of this contract.

In this contract, references to theInsurer/Company/We/Us/Our means Allianzp.l.c. trading as Allianz and references to theInsured/You/Your/ Yourself means thepolicyholder named in the schedule.

Aidan HanrattyDirector Underwriting.


Definitions

Anti-Theft Device: means a lock that isdesigned to prevent the outboard motorfrom being removed from the transom of the vessel.

Cruising Range: means the geographicallimits specified in Your policy Schedule.

Domestic Appliances: means refrigerator,washing machine, stove, cooker, oven,microwave, air conditioner and the like.

Electronics & Navigation Equipment: meansportable and fixed items of electronicequipment that You own, that You use onYour vessel while it is in commission.

Endorsement: means any alteration to theterms of the policy agreed by Us in writing.

Fast Craft: means motorised vessels with a maximum designed speed greater than 17 knots.

Insured Vessel: means the hull, machineryand equipment such as would normally besold with her when the vessel changes hands.

In Commission: means when the vessel isfitted out and ready for use.

Latent Defect: means a defect which is notdiscoverable by the exercise of reasonablecare.

Laid-Up Period: means the period the vesselmust be laid up ashore, moored in a marinaor moored at a specific location as specifiedin Your policy Schedule.

Limit of Indemnity: The total amountpayable for all damages and all law costs inrespect of any one occurrence or alloccurrences of a series consequent on oneoriginal cause shall not exceed the Limit ofIndemnity as stated in Your Policy Schedule.

Period of Insurance: means the periodspecified in the Schedule or any subsequentperiod for which the Company agrees to renew the Policy and to accept payment ofthe Premium.

Personal Effects: means articlesnormally worn or carried on theperson. Money, Mobile Phones and Jewelleryare excluded.

Policy: means Our agreement with You,including this policy wording, the Scheduleand any other endorsements We issue inwriting which may change the standard cover.

Policy Excess: means the amount(s) noted in the schedule to be deducted from eachand every claim except in the case of total or constructive total loss of the Insured Vessel or other loss set out in Section 2 in the policy wording.


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Definitions (continued)

Schedule: means the Schedule in respectof Your Policy which We have mostrecently given to You or sent to Your lastknown address.

Warranty: means a promise by You that :

(i) Some particular thing shall or shallnot be done; or

(ii) some condition shall be fulfilled; or(iii) a particular state of affairs does or

does not exist.

A Warranty must be strictly complied withi.e.

(i) The thing must be done or not done; or

(ii) the condition must be fulfilled; or

(iii) the state of affairs must exist or not exist

and if it is not strictly complied with, theinsurance cover may cease as from themoment of the breach of Warranty (andcover does not come back into existence ifthe breach of warranty comes to an end).


Cover


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What Your Policy CoversSubject to the provisions containedelsewhere within the policy, the InsuredVessel is covered: While in commission atsea or inland waters or at all places oflegitimate mooring or storage within thecruising range stated in the schedule. While out of commission at marinas orinland water moorings or in storage ashore.While the vessel is being trailed within thejurisdiction of the Cruising Range noted onthe Policy Schedule but excluding any RoadTraffic liability.

Cover is provided on an agreed value basisor the reasonable cost of repair /replacement (whichever is the lesser) foritems noted on the policy Schedule but notexceeding the sums insured.

In respect of the repair or replacement ofthese items, We will reimburse You the costof reasonable repairs and/or replacementsrequired to bring these items as near aspossible to their appearance and conditionimmediately prior to the claimed loss or damage.

Subject to conditions, exclusions,endorsements and warranties containedwithin the Policy.



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Section 1: Damage to Your Vessel

We will pay for loss of or damage to itemsnoted in the Schedule caused by:(a) Accidental damage.(b) Fire, lightning and explosion.(c) Theft or attempted theft following a

forcible entry.(d) Malicious damage.(e) Damage caused as a result of a Latent

Defect.(f) Mechanical breakdown for engines

not more than five years old at thetime of loss.

(g) Negligence.(h) Piracy and/or violent theft.

No claim shall be payable in respect of:(i) Wear and tear, depreciation,

deterioration, vermin, corrosion,electrolysis, mould, inherent vice,and/or lack of maintenance.

(ii) Damage to mast, sails, spars orrigging whilst racing.

(iii) Mechanical breakdown for enginesaged over five years.

(iv) Excluding the cost of repairing orreplacing any part of the vesselwhich has been found to be LatentlyDefective.

(v) Personal effects (unless specified inthe schedule).

(vi) Parent vessel's tender(s) notpermanently marked with the nameof the parent vessel.

(vii) Sails and protective covers split bythe wind or blown away, unless in

consequence of damage to the sparsto which sails are bent, or caused bythe vessel being stranded or incollision or contact with any externalsubstance (ice included) other thanwater.

(viii) Damage caused as a result of theInsured Vessel(s) including inboardand outboard engine(s) not beingwinterised as per manufacturersspecification.

(ix) For loss or damage to cameras,portable radios, mobile phones,moorings, provisions and fuel unlessYou advise Us and We agree toextend cover in writing.

(x) Theft from Your boat of PersonalEffects or Electronic and NavigationEquipment unless there is physicalevidence of violent and forcible entryinto a lockable part of the vessel.

(xi) Excluding piracy and or violent theftin respect of Endorsements E10 -Cruising Range, E11 - Cruising Rangeand E12 - Cruising Range(refer to Endorsements page 17-19).

Marina Mooring Benefit: Claims that occurwhilst moored at a marina berth will notincur a loss of no claims bonus or premiumloading.



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Section 2: Liabilities to Third Parties

We will pay for all sums which You becomelegally liable to pay by reason of interest inthe Insured Vessel and arising out ofaccidents occurring during the period ofthis insurance, subject to the limit noted inthe Schedule inclusive of legal costs andexpenses, in respect of:

(a) Loss or damage to any other vessel orproperty;

(b) Loss of life, personal injury or illness;caused by the Insured Vessel; and

(c) Any attempted or actual raising,removal or destruction of the InsuredVessel or its cargo or any failure toraise, remove or destroy same.

(d) property damage during the Period ofInsurance caused by or arising fromsudden and accidental pollutiondirectly or indirectly arising from thedischarge, release or escape of fuel,lubricants or sewage from holdingtanks from the vessel within theCruising Range, other than liabilityarising from or connected with:• Your own recklessness, deliberate

actions or misconduct;• the recklessness, deliberate actions

or misconduct of any person in possession of the vessel with Your permission;

• fuel or lubricants not being used in connection with the operation of the vessel at the time of loss; or

• fines, punitive, aggravated or exemplary damages.

In respect of claims caused or arising fromsudden and accidental pollution the Limit ofIndemnity shall not exceed €500,000 (for alldamages and all law costs) for any oneperiod of insurance.

We will also pay the legal costs and expensesincurred by the Insured contesting liability ortaking proceedings to limit liability with Ourprior consent.

We will further pay the costs for Yourrepresentation at any coroner’s inquest orfatal accidental inquiry.

Except where otherwise provided byendorsement, the above provisions willapply to any other person navigating or incharge of the Insured Vessel with Yourpermission. It is assumed that such a personis acting as Your agent.

Exclusions to Section 2:

This insurance does not cover any liability orexpense arising from:

(i) Any employer's liability.(ii) Any Road Traffic liability.


Section 2: Liabilities to Third Parties (continued)


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(iii) Any liability to, or incurred by, anyperson engaged in water-skiing,aquaplaning or other sport or activitywhile being towed by the InsuredVessel. Except where otherwiseprovided by endorsement.

(iv) Any punitive or exemplary damageshowever described.

(v) directly or indirectly out of or in anyway connected with, the existence, atany time, of asbestos.



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Section 3: Personal Accident

Where the policyholder or policyholders'crew member suffers bodily injury byaccidental external violent and visiblemeans whilst in control of the insuredvessel described in the schedule. We will atYour request pay to the insured person ortheir legal representatives the benefitsspecified provided such injury shall,independently of any other cause andwithin three months result in:

Provided that a) In respect of items 1 to 4 above the

total amount payable shall not exceed€10,000

b) No Benefit will be paid until the totalamount has been ascertained andagreed.

c) No Benefit will be paid arising out ofan accident where any crew member

(i) was convicted or a prosecution ispending under any legislationrelating to the level,concentration or quantity ofalcohol or drugs in their body.

(ii) Following a post mortemexamination is found to have ahigher level, concentration orquantity of alcohol or drugs intheir body than is permitted bylegislation of the territory wherethe accident occurred

(iii) is not permitted to be in controlof the vessel as detailed in thepolicy and schedule of insurance

Permanent Total Disablement means a disablement which permanently,completely and continuously prevents thecrew member from attending to businessor occupation of any and every kind andwhich lasted 3 months is certified bymedical evidence to be beyond hope ofimprovement.

Hospitalisationmeans in-patient care for a period of morethan 7 consecutive days in an institutionwhich has facilities for diagnosis, treatmentand major surgery and has accommodationfor persons as in-patients. It does notinclude a long term nursing unit, a geriatricor pre-convalescent ward or an extendedcare facility for convalescence, rehabilitationor other similar function.

Item No.

1. Death

2. Complete and permanent loss of sight of one or both eyes.

3. Loss by severance of one or more limbs at orabove the wrist or ankle

4. Permanent total disablement

5. Hospitalisation (payable for up to ten weeks)

Benefits

€10,000

€10,000

€10,000

€10,000

€100 perweek


General Exclusions


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General Exclusions to Your Policy

The following exclusions will take precedenceover all other conditions in the policy:

1. No claim will be allowed under thepolicy where the Insured Vessel is usedat any time for purposes other thanprivate pleasure.

2. No claim will be allowed under thepolicy where the Insured Vessel has aMaximum designed speed in excess of17 knots. Unless otherwise specified byendorsement.

3. No claim will be allowed under thispolicy arising from theft of theoutboard motor(s) unless it is securelylocked to the vessel by means of ananti-theft device in addition to thenormal method of attachment.

4. No claim will be allowed under thepolicy where the Insured Vessel isengaged in water-skiing or other sportsor activities involving the Insured Vesseltowing items. Unless otherwisespecified by endorsement.

5. No claim will be allowed under thepolicy where an incident occurs whilethe Insured Vessel is in commissionand outside the cruising rangespecified in the Schedule.

6. No claim will be allowed for itemsvalued over €1,000 that have not beenspecified on the Statement ofFact/proposal form or subsequentlyadvised in writing to the Company inrespect of Personal Effects, DomesticAppliances, Electronics and NavigationEquipment.

7. No claim will be allowed under thepolicy where the Insured Vessel is inbreach of the Laid-Up Period specifiedin the Schedule.

8. No claim will be allowed under thepolicy arising from towing anothervessel or whilst being towed by anothervessel except in an emergency or whenit is customary.

9. No claim will be allowed unless youexercise reasonable care to make theInsured Vessel seaworthy at the start ofthis Policy (or at the first date of puttingto sea, if later), and you will exercisereasonable care throughout the periodof insurance to make and keep theInsured Vessel in a seaworthycondition, and you will keep the vesselin a safe place when not underway.

10. In no case shall this insurance coverloss, damage, liability or expensedirectly or indirectly caused by orcontributed to, by or arising from;



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General Exclusions (continued)

(i) Any weapon or device employingatomic or nuclear fission and/orfusion or any other like reaction orradioactive force or matter.

(ii) Ionising radiations from orcontamination by radioactivityfrom any nuclear fuel or from anynuclear waste or from thecombustion of nuclear fuel.

(iii) The radioactive, toxic, explosive orother hazardous or contaminatingproperties of any nuclearinstallation, reactor or othernuclear assembly or nuclear component thereof.

(iv) The radioactive, toxic, explosive orother hazardous orcontaminating properties of anyradioactive matter. The exclusionin this sub-clause does not extendto radioactive isotopes, other thannuclear fuel, when such isotopesare being prepared, carried,stored, or used for commercial,agricultural, medical, scientific orother similar peaceful purposes.

(v) Any chemical, biological, bio-chemical, or electromagneticweapon.

11. Notwithstanding any provision to thecontrary within this insurance or anyendorsement thereto it is agreed thatthis insurance excludes liability, loss,damage, cost or expense of

whatsoever nature directly or indirectlycaused by, resulting from or inconnection with any of the followingregardless of any other cause or eventcontributing concurrently or in anyother sequence to the loss;

(i) War, invasion, acts of foreignenemies, hostilities or warlikeoperations (whether war bedeclared or not), civil war,rebellion, revolution, insurrection,civil commotion assuming theproportions of or amounting to anuprising, military or usurpedpower, or

(ii) any act of terrorism.An act of terrorism means an act,including but not limited to theuse of force or violence and/or thethreat thereof, of any person orgroup(s) of persons, whetheracting alone or on behalf of or inconnection with anyorganisation(s) or government(s),committed for political, religious,ideological or similar purposesincluding the intention toinfluence any government and/orto put the public, or any section ofthe public, in fear.

This insurance also excludes liability, loss,damage, cost or expense of whatsoevernature directly or indirectly caused by,


General Exclusions (continued)


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resulting from or in connection with anyaction taken in controlling, preventing,suppressing or in any way relating to (i)and/or (ii) above.

If the Company alleges that by reason of thisGeneral Exclusion any liability, loss, damage,cost or expense is not covered by thisinsurance the burden of proving contraryshall be upon the Insured.

In the event any portion of this GeneralExclusion is found to be invalid orunenforceable, the remainder shall remain in full force and effect.

12. This insurance excludes liability, loss,damage, cost or expense ofwhatsoever nature directly or indirectlycaused by, resulting from or inconnection with;(i) The loss of alteration of or

damage to, or(ii) a reduction in the functionally

availability or operation of acomputer system, hardware,programme, software, data,information repository, microchip,integrated circuit or similar devicein computer equipment or non-computer equipment that resultsfrom the malicious or negligenttransfer (electronic or otherwise) ofa computer programme thatcontains any malicious or

damaging code including but notlimited to computer virus, worm,logic bomb or trojan horse.

13. In no case shall this insurance coverloss, damage, liability or expense ordirectly or indirectly caused by orcontributed to, by or arising from;(i) Any chemical, biological, bio-

chemical or electromagneticweapon,

(ii) the use or operation, as a meansfor inflicting harm, of anycomputer, computer system,computer software programme,computer virus or process or anyother electronic system.



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ConditionsGeneral Conditions of Your Policy

1. This policy is personal to You and is nottransferable.

2. The excess stated in the Schedule shallapply to all claims other than claims inrespect of total or constructive totalloss of the Insured Vessel, racing risksclaims or any claim under Section 2:Liabilities to Third Parties and Section 3:Personal Accident of this policy.

3. In addition to the excess we maydeduct an amount for wear, tearand depreciation.

In respect of protective covers, masts,sails, running rigging and outboardmotors we may deduct up to 1/3rd,arising from new for old from thereasonable cost of replacement.

4. Any incident or occurrence, which may give rise to a claim under thisinsurance, shall be promptly notified tothe Company and any theft, attemptedtheft or malicious damage shall bereported promptly to the Police.

5. In the event of a claim under this policyshould the Insured Vessel requirerepairs the Company may take tendersor require tenders to be taken.

6. In case of any accident or loss, it is theduty of the Insured to take suchmeasures as may be reasonable for thepurpose of averting or minimising aloss which would be recoverable underthis insurance.

7. All Statutory and Ministerialrequirements must be complied with.

8. This insurance may be cancelled by theCompany at any time subject to 30days notice to the Insured.

You may cancel the Policy at any timeby written notice.

If there has been no claim during thecurrent Period of Insurance We willreturn premium for the unexpiredPeriod of Insurance.

9. When the Insured Vessel is under waythe named Insured or any othercompetent person navigating or incharge of the Insured Vessel with theinsured's permission shall be on boardand in control of the vessel. Unlessotherwise specified by endorsement.

10. The Insured Vessel can only be sailedsingle-handedly between the hours ofsunrise and sunset local time and only for a cumulative total of 50 nauticalmiles per day. Otherwise a sufficient


Conditions (continued)


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number of experienced crew must beon board.

11. The policyholder shall render to theCompany all possible aid in obtaininginformation and evidence should theCompany desire to take proceedings attheir own expense and for their ownbenefit in the name of the policyholderto recover compensation or to securean indemnity from any third party inrespect of anything covered by thisinsurance.

12. The observance and fulfilment of theterms Exclusions and Conditions of thisPolicy in so far as they relate toanything to be done or complied withby the Insured of any other indemnifiedparty shall be conditions precedent toany liability of the Company to makeany payment under this Policy.

13. This Policy will be voidable in theevent of misrepresentation,misdescription or nondisclosureof any material facts i.e. thosecircumstances which may influence Usin our acceptance or assessment of thisinsurance. If You are in any doubt as towhether a fact is material or not pleasedisclose it. This condition applies forthe duration of Your Policy.

14. If a claim is fraudulent in any respect orif fraudulent means are used by theInsured or by anyone acting on hisbehalf to obtain any benefit under thisPolicy or if any Damage is caused bythe wilful act or with the connivance ofthe Insured all benefits under thisPolicy shall be forfeited.

15. All differences arising out of this Policyshall be referred to the decision of anarbitrator to be appointed by theparties or failing agreement by thePresident for the time being of the LawSociety of Ireland. Where anydifference is referred to arbitration themaking of an award shall be acondition precedent to any right ofaction against the Company. Claimsnot referred to arbitration within 12calendar months from the date ofdisclaimer of the liability shall bedeemed to have been abandoned.

16. The onus is on the Policyholderto review the value of the insureditems at each renewal.



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ExtensionsAdditional Sections where applicable:

1: Cover Whilst Racing

Where the Insured Vessel is engaged inracing and the Company agrees to delete exclusion (ii) and (vii) of Section 1,the following section applies and We will pay:

(a) The cost of replacing or repairing sails,spars, masts, standing and runningrigging lost or damaged whilst thevessel is racing, subject to the lossbeing covered in Section 1 of the policy.

(b) The amount recoverable under thepolicy is 75% of this cost in respect ofvessels 7 metres and over in length and100% in respect of vessels under 7metres in length (but excluding theexcess) unless the loss or damage iscaused by the Insured Vessel beingstranded, sunk, burnt, on fire, incollision or in contact with any externalsubstance (ice included) other thanwater, when the cost of replacement orrepair is recoverable in full, subject onlyto the deduction for new for old andthe excess stated in the Schedule.

Indemnity under this Section is calculated onthe basis of the value of all sails (whether setor not), masts, spars, standing and runningrigging carried and shall not exceed the sumstated in the Schedule for this purpose.

2: Fast Craft

Where the Insured Vessel has amaximum designed speed greaterthan 17 knots and the Company agreesto delete General Exclusion 2, thefollowing section applies:(a) No claim shall be allowed under

any section of the policy forvessels under 7.6m unless withinsight of shore caused by:(i) The Insured Vessel being

stranded, sunk, swamped,immersed or breakingadrift, while left moored oranchored unattended off anexposed beach or shore.

(ii) The Insured Vessel’sparticipation in racing orspeed trials, or any trials inconnection therewith.

(b) If the Insured Vessel is fitted withinboard machinery, no claimshall be allowed arising from fireor explosion unless the vessel isequipped in the engine room (orengine space) tank space orgalley, with a fire extinguishingsystem automatically operated orhaving controls at steeringposition and properly installedand maintained in efficientworking order.


Extensions (continued)


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3: Water Sports

Where the Insured Vessel is engaged inwater sports and the Company agrees todelete Section 2: Liabilities to Third PartiesExclusion (iii) and General Exclusions 4, thefollowing section applies: Including liabilityto, or incurred by any person engaged in

(a) waterskiing and wakeboarding.(b) the towing of rings.

Limit of Indemnity €1,000,000 any oneaccident or occurrence.

Personal floatation device must be worn bypersons engaged.

Only one person to be towed at a time.Excluding liability to, or incurred by anyperson engaged in parascending or towingof banana boats.



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Endorsements (operative only if indicated on the Schedule)

E01 - Cruising Range Cruising confined to inland waterways of theRepublic of Ireland and Northern Ireland.

E02 - Cruising RangeCruising confined to inland waterways &coastal waters of the Republic of Ireland andNorthern Ireland.

E03 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland and Northern Ireland.

E04 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland and Northern Irelandincluding the Irish Sea.

E05 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland, Northern Ireland and UKincluding the Irish Sea.

E06 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland, Northern Ireland, UK(including the Irish Sea) and France, notsouth of La Rochelle.

E07 - Cruising RangeCruising confined to inland waterways &coastal waters of the Republic of Ireland,Northern Ireland and UK including the Irish Sea.

E08 - Cruising RangeCruising confined to inland waterways &coastal waters of the Republic of Ireland,Northern Ireland and west coast of UK, notnorth of Mull including the Irish Sea.

E09 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland, Northern Ireland, U.K(including the Irish Sea and EnglishChannel) France, Spain and Portugal notsouth of 36 degrees North, (including straitof Gibraltar), not east of Gibraltar (excludingMediterranean Sea).

E10 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland, Northern Ireland, U.K(including the Irish Sea and EnglishChannel) France, Spain and Portugal notsouth of 36 degrees North (including straitof Gibraltar), including Mediterranean notEast of 5 degrees East).

E11 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland, Northern Ireland, U.K(including the Irish Sea and EnglishChannel) France, Spain and Portugal notsouth of 36 degrees North (including straitof Gibraltar), including Mediterranean notEast of 10 degrees East).

E12 - Cruising RangeCruising confined to coastal waters of theRepublic of Ireland, Northern Ireland, U.K




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(including the Irish Sea and EnglishChannel) France, Spain and Portugal notsouth of 36 degrees North (including straitof Gibraltar), including Mediterranean notEast of 15 degrees East).

E13 - Temporary Extension of Cruising RangePolicy extended to Europe for 30 daysfrom date agreed with the Company.

E14 - Temporary Extension of Cruising RangeCruising range extended to includecoastal waters of the Republic of Ireland andNorthern Ireland for 30 days from dateagreed with the Company. Excess increasesby 100% for this period.

E15 - Laid-Up PeriodInsured Vessel to be laid up ashore from1/11 to 31/3 annually.

E16 - Laid-Up PeriodInsured Vessel to be laid up ashore from1/11 to 31/3 annually or otherwise mooredin a marina, with in commission usepermitted during this period.

E17 - Laid-Up PeriodInsured Vessel not to be left in the waterduring the period 1/11 to 31/3 annually.

E18 - Laid-Up PeriodInsured Vessel to be laid up ashore for theduration of this Insurance.

E19 - Laid-Up PeriodInsured Vessel to be moored at the locationagreed with the Company (12 months incommission).

E20 - Laid-Up PeriodInsured Vessel to be laid up ashore after use.

E21 - Third Party Liability OnlyThird Party Liability Only as per Section 2.Section 1: Damage to your Vessel deleted.

E22 - Damage to your Vessel OnlyDamage to your Vessel only as per Section 1.Section 2 Liabilities to Third Parties deleted.

E23 - Vessels with Maximum DesignedSpeed of 18-25 knotsAny person in command of the InsuredVessel (other than the insured) must havecompleted the Irish Sailing AssociationNational Power Boat Handling Certificate (orits equivalent) or Yachtmaster Cert (coastal,Offshore and Ocean but Excluding Shorebased) or International Operators ofPleasure Craft qualification, Dive BoatCoxswain qualification or have a minimumof 3 years experience with Fast Craft.General Exclusions 2 deleted and Extension2 Fast Craft applicable.

E24 - Vessels with Maximum DesignedSpeed in excess of 25 knotsAny person in command of the InsuredVessel must have completed the Irish SailingAssociation National Power Boat Handling



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Certificate (or its equivalent) or YachtmasterCert (coastal, Offshore and Ocean butExcluding Shore based) or InternationalOperators of Pleasure Craft qualification,Dive Boat Coxswain qualification or have aminimum of 3 years experience with FastCraft. General Exclusions 2 deleted andExtension 2 Fast Craft applicable.

E25 - Waterskiing and Wakeboarding Extension 3: Water Sports Applicable.Section 2: Liabilities to Third Parties Exclusion(iii) deleted. General Exclusions 4 deleted.Section (b) the towing of rings deleted.

E26 - Waterskiing, Wakeboarding & Towing RingsExtension 3: Water Sports applicable.Section 2: Liabilities to Third PartiesExclusion (iii) deleted. General Exclusions 4 deleted.

E27 - Racing RisksExtension 1: Cover Whilst Racing applicable.Section 1: Damage to Your Vessel (ii) and(vii) deleted. Racing Risks Extension coveredas per value stated on Policy Schedule.

E28 - Survey/Condition Report All surveyors recommendations must becomplied with within time frame agreedwith the Company.

E29 - Premium ProtectionIn any consecutive 3 year renewal period,You may incur one unlimited claim without

any impact on Your premium. In addition,any payment for fire or theft will not impactYour premium.

E30 - Cruising RangeCruising confined to coastal waters ofIreland, UK, Continent of Europe that isbetween Brest and the River Elbe includingChannel Islands, Isle of Man and NorthernIreland.

E31 - Cruising RangeCruising confined to inland waterways andcoastal waters of Ireland, UK includingChannel Islands, Isle of Man, Scilly Isles andContinental coastal waters between Brestand the River Elbe and European inlandwaterways not south of 46 degrees Northand not East of 10 degrees east.

E32 - Laid-Up PeriodInsured Vessel not to be left unattendedduring the period 01/04 to 31/10 annuallyunless moored at a marina, acknowledgedsheltered mooring or acknowledgedsheltered harbour. Insured Vessel must be marina based or laid up ashore whenunattended during the period 1/11 to 31/3.

E33- Laid-Up PeriodInsured Vessel to be based in a 24 hourmanned secure marina when leftunattended.


Making a Claim


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If You have any queries or if You need anyadvice in making a claim contact our claimsdepartment on 1890484848 which is open9am to 5pm Monday to Friday. When Youare making a claim please note the followingpoints: Complete and return a claim form.Estimates should be submitted withYour claim. Once the estimate has beenagreed by Us You can proceed withrepairs/redecoration.

If property has been stolen or maliciouslydamaged, or if You lose a valuable item, Youshould inform the Gardai or Police as soon aspossible. You will receive the Garda reportform with Your claim form. When necessary– in the case of broken windows, burst pipesor if the vessel is taking on water forexample – You should have emergencyrepairs carried out immediately toprevent possible further damage to Yourproperty. If the claim includes injury tosomeone else or damage to their property,You should send written details to Us as soonas possible. It is vital that we deal with suchclaims on Your behalf. Under nocircumstances should you make anadmission of liability.

Any letters or documents You receive shouldbe sent unanswered to Us without delay.Where we need to discuss Your claim Youwill be contacted as soon as possible tomake an appointment.



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Important information inrelation to your Allianz policy

Your InsurerThe underwriter of your insurance isAllianz p.l.c., having its registered office atAllianz House, Elmpark, Merrion Road,Dublin 4, Companies Registration No. 143108. Vat no 4887986M. Ourcontact details are: tel: +353 1 6133000, fax: +353 1 6134444, and email: [email protected].

Regulatory Status Allianz p.l.c. is regulated by the CentralBank of Ireland and is subject to the CentralBank of Ireland's Consumer ProtectionCode and Minimum Competency Codewhich offer protection to consumers.These Codes can be found on the CentralBank's website: www.centralbank.ie.

What we doAllianz p.l.c. is a non-life insuranceundertaking which underwrites personal,commercial, education, religious and socialinsurance products.

How we chargeThe charge for our services is the premium(including applicable government levyand/or premium taxes). This premium,

and any optional covers are separatelyspecified in your Schedule/Renewal notice.

Default Non-payment of your premium or partthereof or breach by you of certainconditions of your policy may lead to your policy being revoked or cancelled.

LanguageYour policy and all communications withyou or by you to us will be in English.

Right of WithdrawalYou have the right to withdraw from thispolicy, provided you have not made a totalloss claim, within 14 days of the latest of:

(1) the starting date of cover, or

(2) the date on which you receive the full terms and conditions of your Policy.

Withdrawal effectively means that nopolicy was ever in place, and you mayexercise this right by notice in writing to usat the address given above, quoting yourpolicy number. Should you exercise thisright we will refund you any part of yourpremium you have paid less a premiumtransaction charge as detailed in Yourschedule. If the cover is motor insurance,the premium cannot be refunded until theAllianz Certificate of Motor Insurance andInsurance Disc have been returned to

Consumer Information



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Consumer Information (continued)

Allianz. Please note that the right ofwithdrawal does not apply if the insurancepolicy under which insurance cover isprovided is for less than 1 month.

Governing lawYou and We may choose the law applicableto this contract. It is hereby agreed that thiscontract is governed by Irish Law unless weagree with you otherwise in writing. TheIrish Courts will have jurisdiction to hear anydispute other than any dispute which mustbe referred to arbitration under thearbitration clause of this policy.

Policy Alteration, Additionaland Return PremiumsWhere your policy is altered during anyPeriod of Insurance We will recalculate yourpremium. This may result in an additionalpremium due to Us or a return premiumdue to You. A Premium Transaction Chargemay be applied to all such alterations, asdetailed in your Schedule.

We will only charge or refund You providedthe total amount, including the PremiumTransaction Charge, is greater than or equalto the amount detailed in your Schedule. AGovernment Levy applies to all premiumcalculations.

Alteration to terms andconditionsIn the event of a claim we may advise you, at the time of your next renewal, of alteredpolicy terms and conditions which increaseyour premium and/or excess, and/or reducecover.

CompensationPlease note that in the event of Allianz beingunable to pay a claim, you may be entitled tocompensation from the InsuranceCompensation Fund in Ireland.

ComplaintsWe aim to deliver the very highest standardsof customer care. If you have any enquiry orcomplaint, please contact, with yourpolicy/quote number and details:

Head of Customer Focus, Allianz p.l.c.,Allianz House, Elmpark, Merrion Road,Dublin 4. Tel: +353 1 6133000, or email: [email protected].

If your complaint is not resolved to yoursatisfaction and you remain dissatisfied withour final response to your complaint you canrefer your complaint to:



Consumer Information (continued)

(1) The Financial Services Ombudsman Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.

Locall: 1890 882090,

Tel: +353 1 6620899,

Fax: +353 1 6620890, or email: [email protected] website –www.financialombudsman.ie

and/or

(2) Insurance Information Services – Irish Insurance Federation, 39 Molesworth Street, Dublin 2.

Tel: +353 1 6761914,

Fax: +353 1 6761943, or email: [email protected]. Website: www.iif.ie.

The Financial Services Ombudsman willexamine complaints from all customers,except limited companies with a turnover of€3 million and above.

23



Notes


Allianz Allianz House Elmpark Merrion Road Dublin 4.

Tel: 1890 48 48 48 Fax: 01 660 5214 Website: www.allianz.ie E Mail: [email protected] Allianz Mobile: m.allianz.ie Freetext: 50048

Allianz p.l.c. is regulated by the Central Bank of Ireland. Registered in Ireland No. 143108

Calls may be recorded or monitored for regulatory, training and quality purposes. 330

SCH

11.1

2 KD


Documents

Your Pleasure Craft - Allianz...Your Pleasure Craft Policy 2 Introduction Allianz p.l.c. trading as Allianz agrees, in consideration of premium payment to Us, to insure You against