| Vessel Loss or Damage | |
| Covers the cost, up to the cover limit selected, for repair or replacement arising from physical loss or damage to your narrowboat, subject to certain specific exclusions and the excess you have chosen. * | |
| Third Party Liability | |
| Covers sums, up to the cover limit selected, which you are legally liable to pay arising from ownership of the narrowboat for death or injury to a third party, or damage to their property, subject to certain specific exclusions. * | |
| Marina Benefits | |
| Protects your no claims discount entitlement, and avoids you having to pay an excess, if you make a claim for loss or damage to your narrowboat sustained while it is moored / stored in a specified marina. * | |
| Mooring Fees | |
| Covers the cost, up to the cover limit selected, of mooring fees incurred while you are unable to use the narrowboat as the result of either a serious accidental injury to yourself, or insured loss or damage to your narrowboat, subject to certain specific exclusions. * | |
| Emergency Accommodation | |
| Covers the cost, up to the cover limit selected, of emergency accommodation for you and your passengers if your narrowboat is made uninhabitable as the result of loss or damage covered by this policy, subject to certain specific exclusions. * | |
| Emergency Travel | |
| Covers the cost, up to the cover limit selected, of getting you and your passengers home if your narrowboat is no longer seaworthy due to loss or damage covered by this policy, or serious injury to a key crew member, subject to certain specific exclusions. * | |
| Emergency Breakdown | |
| Covers call out, parts and labour costs, up to the cover limit selected, if your narrowboat is no longer seaworthy as the result of a mechanical breakdown, subject to certain specific exclusions. * | |
| War and Related Risks | |
| Extends the protection provided by the policy to cover War, Capture, Piracy or Terrorism, subject to certain specific exclusions. * | |
| Search, Rescue and Evacuation | |
| Covers costs, up to the cover limit selected, for search, rescue, and evacuation operations in relation to any person on board the narrowboat with your permission. * | |
| Marine Legal Protection | |
| Covers legal advisers’ costs up to a set value to help you pursue or defend a claim relating to the narrowboat for uninsured loss recovery, personal injury pursuit, contract disputes or prosecution defence arising from your ownership or use of the narrowboat. Subject to certain specific exclusions. * | |
| Tenders | |
| Choose if you wish to specify and include cover for your narrowboat’s tenders. | |
| Machinery Extension | |
| This option extends the Vessel loss and damage cover to include repair or replacement to the narrowboat’s machinery following damage caused by latent defects or breakage of shafts, subject to certain specific exclusions and the excess you have chosen. * | |
| Replacement Locks and Keys | |
| Covers the cost, up to the cover limit selected, of replacing locks and keys following the theft or loss of keys to the narrowboat’s external doors, subject to certain specific exclusions. * | |
| Courtesy Vessel | |
| Covers the cost, up to the cover limit selected, of hiring a replacement vessel if your narrowboat is made unseaworthy as the result of loss or damage covered by this policy, subject to certain specific exclusions. * | |
| NCD Protection | |
| Protects your no claims discount entitlement in the event that you make no more than one claim under the policy in a year. * | |
| Personal Accident | |
| Pays a selected financial benefit to any person who dies, disappears or sustains a serious injury while they are embarking, on board or disembarking the narrowboat with your permission, subject to certain specific exclusions and a maximum number of persons which you select. * | |
| Medical Expenses | |
| Covers costs, up to the cover limit selected, arising from the attendance of a qualified Medical Practitioner as a direct result of an accidental injury sustained on the narrowboat, subject to certain specific exclusions and the excess you have chosen. * | |
| Market or Agreed Value | |
| Depending on your vessel value, choose between receiving the agreed value of the narrowboat in the event of a total loss, or the market value of the narrowboat at the time of the loss. * | |
| Personal Belongings | |
| Covers costs, up to the cover limit selected, for repair or replacement to your or your immediate family’s personal belongings which are lost or damaged on the narrowboat, or in transit to and from the narrowboat, subject to certain specific exclusions and the excess you have chosen. * | |
| Houseboat Contents and Related Options | |
| Offers a range of options for owners where the narrowboat is their primary residence, such as cover for houseboat contents, cover for possessions taken away from the narrowboat or kept in student accommodation, alternative accommodation costs and public liability. Subject to certain specific exclusions and the excess you have chosen. * | |
Visicover Ltd, trading as Visicover, is authorised and regulated by the Financial Conduct Authority under registration number 585660. Registered office: 21 Heronscourt, Lightwater, Surrey GU18 5SW. Registered in England & Wales, company number 7968371.
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