BIBA (British Insurance Brokers Association) web-site Insurance products for UK residents

Summary of cover - small craft

Cover Insurers will indemnify all accidental loss or damage, subject to policy terms and conditions.
Liability Liability in respect of third party injury or property damage is limited to £2,000,000 in respect of any one incident. The limit of liability in respect of water skiers is limited to £1,000,000 in respect of any one incident
Excess You will be responsible for the sum insured in the schedule in respect for all claims for loss or damage to the insured craft. Craft powered by an engine greater than 25hp will be subject to an additional £100 excess in respect of claims for underwater parts of the engine, following collision with a submerged or floating object.
Continental Use Cover is extended for craft in Western Europe (excluding the Canary Islands) for up to30 days in any one year.
Taken Ashore Condition It is a condition of this policy that all craft must be taken ashore when not in use unless specifically agreed in writing.
Theft Condition It is a condition of this policy that when the craft is left on the trailer/ trolley, unattended and not in a locked building a wheel clamp must be fitted.
Fire Condiiton Craft fitted with inboard machinery and with a maximum design speed in excess of 17 knots/ 20mph must be fitted with an automatic fire extinguishing system.
Helpline A telephone helpline service is available 24 hours a day, 7 days a week and is provided on behalf the underwriters by DAS Services Ltd. You will be responsible for payment of all charges for the services provided.
Optional Legal Expenses An Optional Legal Protection Pan is available through DAS Legal Expenses Insurance Company Ltd, who will assist you to pursue your legal rights.

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Our Three major insurance products: Landlord Insurance, Travel Insurance and Payment Protection insurance (accident, sickness and unemployment/ mortgage protection/ income protection)

Landlord Insurance/ buy to let property insurance/ landlord insurance

Our home page deals with landlord insurance/ buy to let property insurance for landlords. If you want a quote for landlord insurance, buy to let insurance, let property insurance or landlords insurance, just click on a link.

Travel Insurance/ cheap single trip and annual travel insurance

We provide a comparison travel  insurance quotation service where you can buy single trip, annual cover, backpacker, long stay. We are particularly competitive for the over 75, over 65, over 70 and over 80. Click to go to our travel insurance quotation system for over 65, over 70, over 75, over 80, long stay, backpacker, single trip and annual travel insurance.

Payment protection - cover against accident/ sickness and unemployment/ redundancy

We offer all forms of payment protection insurance: mortgage protection insurance, income protection insurance including loan protection insurance. Protection is available against accident, sickness and unemployment. To see the various mortgage payment protection, income protection and loan protection against accident, sickness and unemployment/ redundancy click this link.