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Boat

Optional Extras Definitions

The following section explain in more detail what each 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.

Cover for Yacht Racing

We will extend this Policy to include Loss to the Boat and for Your legal liability as set out on page 6 of the Policy Wording for claims from accidents arising whilst engaged in Yacht Racing where the Boat is only propelled by sail power within the Navigational Limit.

In respect to Loss to Masts, Spars, Sails and Rigging We will pay -

  1. two thirds of the replacement or repair cost; or
  2. the Sum Insured;

whichever is the lesser, and the General Exclusion to the contrary is overridden to that extent only.

Cover for Water Skiing

  1.  We will extend your legal liability to other people set out on page 6  to include:
    (a) Your legal liability; or
    (b) The legal liability of any Water Skier, being towed by the Boat; or
    (c) The legal liability of any person acting as an observer on the Boat.

    Arising from:
    (a) Accidental death or bodily injury to a Water Skier being towed by Your Boat; or
    (b) Accidental death or bodily injury to any person during Water Skiing; or
    (c) Accidental damage to the property of others during Water Skiing.
  2. We will pay up to the Limit of Legal Liability provided on page 6 of the Policy Wording for any one accident or a series of accidents arising out of the one event, less any applicable Excesses.
  3. We will not pay for any Legal Liability:
    (a) if the Water Skier has been refused legal liability insurance; or
    (b) if the Boat is being used without Your permission; or
    (c) if there is not a Competent observer on-board in addition to the person in control of the Boat; or
    (d) resulting from any form of Water Skiing or aquaplaning when an aerial device or ski ramp or jump is being used; or
    (e) resulting from competition Water Skiing; or
    (f) if the Water Skier was using equipment not specifically designed for Water Skiing;
  4. Cover is extended to persons other than You on the basis that the Policy applies to them as if they were You (except that no extension of the Policy to others by virtue of their connection with these persons is intended), including without limitation the exclusions of the Policy.

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

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