How might the General Exclusion for pandemics and disease impact my Boat Insurance policy?
For most circumstances that might result in a claim this general exclusion is expected to have minimal impact. Some examples of how you would not be able to claim on your boat policy are:
- You have a passenger in your boat who is later confirmed as having a disease e.g. Coronavirus. You want to have your boat cleaned to ensure it is not contaminated. You are not able to claim for this cleaning.
- You hit a third party’s boat and during the incident you contracted Coronavirus from the other person and will now have to go into mandatory hotel quarantine. You are not able to claim under the Section ‘Temporary accommodation’.
- You have had a passenger in your boat, and it is later confirmed that you have had the Coronavirus. Your passenger also then contracts the virus from being in the boat with you. The passenger is not able to claim under the Section of ‘Third Party Liability Cover’.