Boat Insurance: What is the Member To Member liability clause?

Some boats may be owned by more than one person via a club or an ownership group, such as an equity group. This can present an issue if there is an insured accident where one part-owner is in command of the boat and another part-owner is on board as a passenger. As the latter is effectively also the policyholder, they would not necessarily receive the protection provided by the liability section of the policy if they sustain an injury or loss as the result of the negligence of the former.

To address this issue, we have included a ‘Member To Member Liability’ clause which extends the boat insurance in a number of ways, including to ensure that any part owner who is travelling on the boat purely as a passenger will receive the same level of protection under the liability section as would any other passenger.

The Policy Booklet contains full details about how this cover operates, including any exclusions or conditions. Existing policyholders can download copies of the applicable Booklet for their policy by following the guide described here. Alternatively, to download the latest Policy Booklet, please click here.