At Navigate our Watercraft Insurance is built from below the waterline up with dedicated wording, specialised claims handling, and an international network of experienced marine surveyors, repairers, and suppliers.
Why Choose Navigate’s
Watercraft Insurance Cover
Expertise and Support
- One of the clearest, most comprehensive policy wordings in the market
- Competitive premiums without compromising cover
- Automatic neighbouring territory cover
- Worldwide navigation available by extension
- Territorial limits unmatched in the market
- Capacity to insure vessels (including liability) up to R80Million
Available to clients with verifiable financial interests in South Africa, our cover is tailored to meet strict underwriting criteria while delivering global-standard protection.
Vessels we cover
ADVENTURE PROTECTED, LIFESTYLE UNINTERRUPTED.
What We Cover
Our watercraft insurance cover is designed to address a broad range of risks, including:
Liability Cover
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Third-Party Legal Liability:
Generous standard limits, with the option to buy extended liability cover. -
Passenger Legal Liability:
Automatically included for added peace of mind. -
Crew Legal Liability:
Available as an optional extension on request. -
Environmental Hazard:
Available as an optional extension on request.
Vessel & Equipment Cover
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Hull and Machinery:
Protection against accidental loss or damage to the vessel’s structure, engines, and onboard systems. -
Equipment and Electronics:
Including navigation systems, fishing gear, diving equipment, and other specified extras. -
Sports and Leisure Gear:
All-risk cover for water skis, wakeboards, and other specified equipment. -
Personal Effects:
Clothing, luggage, or personal items stored on board (as listed in the schedule). -
Consequential Damage from Latent Defects:
Protection for secondary damage caused by hidden faults in the hull or machinery. -
Breakage of Shafts, Struts, and Propellers:
Including repair or replacement. -
Submerged Object Impact:
Automatic cover for collisions with hidden underwater hazards. -
Repatriation Costs:
To return the vessel to South Africa following a recoverable loss outside of the Republic of South Africa -
Racing Risks:
Available on request.
Personal Cover
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Personal Accident Benefits:
Cover for the owner and passengers. -
Medical Expenses:
Treatment following an insured incident.
Additional Benefits & Services
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Worldwide Navigation:
Optional extensions to cruise beyond standard territorial limits. -
Roadside Assist:
Assistance available when needed.
Where We Prove Our Worth
Our goal is simple: restore both the vessel and the owner’s peace of mind without unnecessary delay.
Navigate has the capability to settle watercraft claims anywhere in the world. We understand the frustration of being unable to use a vessel or equipment due to a claim, which is why we act quickly to resolve issues and finalise settlements. Claims are a two-way process, and when owners provide timely and accurate information, we can work even faster to get them back on the water.
