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Once a boat lover, always a boat lover, right? Make the most of your water experiences, knowing your boat insurance cover protects your vessel against any eventuality. We offer comprehensive cover for most types of watercraft, including motorboats, jet skis, sail boats, and powerboats. Coverage includes onboard motors, machinery, equipment, hull, and standard fittings, so you get complete peace of mind. With Santam, enjoy watercraft insurance quotes that are hassle-free and tailored to your needs, no red tape, just plain sailing.
Keeping your watercraft safe out of water
We cover all reasonable costs incurred for storage, safekeeping, moving, or transporting your watercraft after loss or damage. Whether it’s a ski boat, motorboat, or sail boat, our watercraft insurance ensures your vessel is protected even when docked.
When life happens, we’re there
In case of an accident or damage, we cover the costs of salvaging your watercraft and any reasonable expenses to return it to normal storage after repairs, all subject to due authorisations.
Accommodation when your trip is interrupted
If your boating trip is cut short, we provide emergency accommodation for up to two nights for you and one passenger, so you’re supported when the unexpected happens.
We provide comprehensive watercraft insurance for a wide range of vessels, including motorboats, ski boats, jetskis, and wetbikes. Coverage includes the hull, outboard motors, machinery, equipment, standard fittings, and accessories that are normally sold with the watercraft.
Houseboats used as a permanent residence
Watercraft let out for hire or charter purposes
Racing or speed tests/trials
Outboard motors and accessories may not be insured without the watercraft (hull)
Self-built craft may only be accepted with a seaworthy certificate and valid registration document
Commercial use i.e. charter, cage diving, commercial fishing
Total insured value exceeding R500,000 (combined hull, outboard motors, and specified accessories)
Hull lengths exceeding 8m
Anchors
Audiovisual equipment
Bags and luggage
Batteries
Boat trailer
Branding
Clothing and personal effects
Communication devices
Fishing and sport equipment
Fridges and freezers
Fuel tanks
Glitter paint
Navigation equipment
Outboard and inboard motors
Sails
Tools and spare parts
What types of watercraft are covered by Santam’s insurance?
Our watercraft insurance provides cover for a range of vessels, including motorboats, ski boats, jetskis, and sailboats. Standard fittings and accessories are also included in the cover.
What does watercraft insurance cover?
Our boat insurance typically covers accidental loss or damage to the hull, engine, machinery, and equipment. It also includes reasonable costs for storage, salvage, and emergency accommodation if your trip is disrupted due to an insured event.
How can I get a watercraft insurance quote?
You can request a watercraft insurance quote by contacting Santam directly or visiting our website. We’ll help you find a boat insurance policy that suits your vessel and usage.
Is boat insurance required in South Africa?
Boat insurance isn’t legally required for all private vessels in South Africa, but it’s highly recommended. It offers financial protection against theft, accidental damage, and third-party liability.
Does my watercraft insurance cover transport on a trailer?
Yes, our watercraft insurance cover generally applies while your boat is being transported on a trailer, giving you peace of mind on and off the water.
What’s the difference between powerboat and sailboat insurance?
Both are covered under watercraft insurance, but the specifics may vary. Sailboat insurance may include cover for sails and rigging, while powerboat insurance may focus more on engines and propulsion systems.
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