Legal Liability Definition

The following section explains in more detail what this element of cover entails. These definitions do not form part of the policy wording and are for your information only.  For full details please refer to the Boat Insurance PDS & Policy Wording. Please note, HBF Home, Car, Travel and Boat Insurance are issued by HBF Insurance Pty Ltd  ABN 11 009 268 277 AFSL 229190.

Please read the Financial Service Guide (FSG) before applying for an HBF General Insurance product.

Legal Liability

We will Cover You for Your legal liability for claims arising out of the use or ownership of the Boat including Your liability for legal costs when Our lawyers act in connection with such claims.

Our Limit of Liability

The maximum amount We pay, including legal costs, is $5,000,000 for any one accident or series of accidents arising from the one event.

What We do not cover

In addition to those matters mentioned in the General Exclusions of the Policy Wording, under this section You are not insured against:

1.  Loss, damage or liability to any person:
   (a) in control of Your Boat; or
   (b) who is Your employee in the course of employment with You; or
   (c) who is Your partner or de facto partner or any other family member ordinarily residing with You.
2.  Loss or damage to property in Your custody or control or that belongs to You or Your partner or de facto partner or any other family member ordinarily residing with You or any employees in the course of employment with You.
3.  Any claim made against You by a co-ownerof Your Boat.
4.  Any claims made whilst Your Boat is in the care, custody or control of any boat-builder or repairer, or is being operated or handled by yacht club staff or marine operator staff.
5.  Any legal liability arising when Your Boat is:
   (a) involved in power boat racing, paragliding, hang gliding, parasailing, halyard flying or other aerial activities or in any time trials; or
   (b) involved in Yacht Racing or Water Skiing activities unless Your current Policy Schedule has been extended to allow this Cover.
6.  Any additional liability You agree to take on without Our permission.
7.  Bodily injury, death of illness to You, Your partner (legal or de facto) or other family member usually residing with You or any employees in the course of employment with You.