Your pleasure-craft has a total length of less than 10.5 metres. The definition of pleasure-craft includes everything which would normally be sold with the pleasure-craft if it changed hands, including the following:

○ The hull.

○ Inboard motors and outboard motors.

○ Fitted machinery.

○ The dinghy or smaller boat which usually accompanies the pleasure-craft.

○ Sails and protective covers.

○ Wetbikes or jet skis.

Other accessories, fittings and equipment may also be covered under this policy, so long as they are specified – for example:

○ clothing, sea boots, sextants, nautical books

○ fishing gear.

Private use

You may use your pleasure-craft only for private use (social, domestic and pleasure), as well as emergency tow and-assist.

Tow-and-assist

You may use your pleasure-craft to lend emergency assistance to other pleasure-craft in distress. Your pleasure craft may also be towed when in distress.

Under no circumstances is your pleasure-craft covered when it is:

○ more than 10 nautical miles from the shoreline of South Africa, as well as that of neighbouring countries

○ taking part in, or practising for, racing, speed tests or trials

○ being navigated single-handedly in open waters

○ towing or salvaging other pleasure-craft, other than one in distress

○ being towed, other than when in distress, or when laying up or being fitted out for repairs

○ being chartered or hired out

○ carrying fare-paying passengers.

You must have a skipper’s licence, and be 16 or older

In the event of a claim, you must be able to show us that you had a valid South African skipper’s licence at the time, and are 16 years of age or older.

This also applies to any person who may have been piloting your pleasure-craft at the time with your permission.

If the pleasure-craft is conveyed on land, the driver must have a valid driver’s licence.

A valid skipper’s or driver’s licence

A valid skipper’s, driver’s or learner’s licence is one that:

○ has been obtained from the correct authority, for the correct category

○ has been renewed on time

○ has not lapsed or been cancelled or suspended.

Tender boat must be marked

Your tender boat must be permanently marked with the name of the parent craft it belongs to.