Watercraft Insurance with Dial Direct

South Africa is a country with the perfect climate for enjoying the great outdoors and abundance of sunshine. It follows then that many South African choose to own and enjoy all forms of watercraft, which range in value from a few thousand rand to a few hundred thousand rand.

As such, it is essential that insurance companies such as Dial Direct offer comprehensive and user-friendly insurance policies that cover all forms of watercraft. Dial Direct offers comprehensive watercraft insurance coverage in the event that the said watercraft are stolen or damaged.

As per the majority of insurance policies, you, as the insured, will be liable for the basic excess as well as any other excesses applicable on Dial Direct's insurance schedule.

It obviously follows that Dial Direct will pay out on watercraft insurance claims if the following conditions have been met:

• If the craft is used solely for the pleasure, domestic or social purposes for which it was designed;
• If the craft is controlled and navigated by the insured, or a competent person under instruction of the insured is responsible and regulatory manner;
• If the craft is inland, afloat, ashore or in coastal waters or being transported by air, rail, sea or road;
• If the craft is being operated within the inland and navigable waters of South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Zambia and Zimbabwe, as well as dams, lakes and rivers for the purposes of recreational or sport boating; and
• If the craft is being operated in the coastal waters of Southern Africa are the territorial waters within a distance of 20km off the coast of Walvis Bay, Namibia, on the Atlantic Seaboard, around the coastline of South Africa to no further North than latitude 23 degree South, Mozambique, on the Indian Ocean.
  

• The craft, its motor(s), fittings, equipment, machinery, gears and accessories;
• Salvage Charges;
• Location of the craft in the case of sinking;
• Repatriation of the craft to the nearest border post of South Africa if disabled outside of the country within the terms of the insurance policy;
• Medical Costs up to R2000 per incident in the event of an injury connected to the craft;
• Other parties, other than the passengers on the craft or a water-skier, on your behalf for expenses and costs should the navigator of your craft is legally responsible for an accident that causes damage to another party's property. (Additional terms and conditions apply); and
• Water-skier Liability, only provided that the watercraft policy specifies for it. (Additional terms and conditions apply).

Note that Dial Direct will not pay out claims regarding watercraft should any of the followings conditions exist:

• If property is in your possession and that of your passengers;
• For the craft's trailer which must be insured separately;
• If there is accidental injury or death of an employee or household member;
• If the craft is used to generate an income or for hiring or chattering;
• For seizure or confiscation by any legal authority;
• For bad launching, faulty repair work or any latent defects;
• For transportation by road where damage occurs due to the craft being conveyed on an unroadworthy vehicle;
• For racing or piracy is any damage or loss results from the craft being used in any kind of race, speed or reliability trial;
• For sails and protective covers damaged due to wind, unless said craft sinks, is stranded or is burnt;
• If a craft is left unattended for longer than 12 hours anywhere other than a marina or recognised place of mooring, the insured's home, place of repair, recognised storage facility or boat yard;
• If a fire extinguisher is not installed or in working order; and
• If the watercraft's navigator is found to be under the influence of drugs and/or alcohol.