We pay for legal liability arising from an accident relating to the use of the watercraft for watersports.

You can choose to include optional cover for Sailboat Social Racing when you have Comprehensive Cover.

Extra cover for contents is automatically included under our Comprehensive and Third Party Property Fire and Theft policies for your contents that are kept inside the watercraft.  This cover applies only if the damage to the contents occurs due to an insured event and is for set limits. If you require a higher level of cover, you also have the option to upgrade the cover.

If you have comprehensive insurance, you nominate an insured value for the hull and tender, and depending on the watercraft type, additional sums insured for:
• Outboard motor(s)
• Sails, masts, booms and rigging
• Trailer 

Provided the watercraft was new when it was purchased and it is documented that you are the first owner, we will replace it with a new watercraft (or pay you the amount equal to replacing it) if it is a total loss within 24 months from when it was purchased.

There are some terms and conditions which apply to the watercraft replacement. 

When you select either Comprehensive Cover or Third Party Property Fire and Theft Cover we will include extra cover for personal injury and death.

Repairs made to the watercraft following an insured event have a lifetime guarantee for the period that the watercraft is owned by you if we have authorised the repairer.

We cover the costs involved in salvaging the wreck, as well as towing the watercraft and storing it at a suitable place for safekeeping.  Additionally, we reimburse you for some of the costs incurred should you require emergency accommodation or transport following the insured event.  This cover does not apply to Third Party Property Only policies.

You are not covered if the watercraft is used for business purposes.  This includes if is used for hire, charter or any other use that generates any kind of reward.

We do cover you for voluntary rescue work in addition to your social and pleasure usage.

In order to receive our written communication, you will need to supply a valid email address.  This includes your policy documentation, all claims paperwork and any quotes we may provide you with.

Your policy schedule and the PDS are sent when you at the start and each time you make a change to your cover.  For copies of a particular document (including Certificate of Currency or Tax Invoice), all you need to do is call us on 13 YOUI (9684) or download it online by going to the Manage Your Policy tab on our website.

You have two options should you wish to make a change to your watercraft or any of your other insurance policies.  Firstly, you can make some simple changes yourself by visiting our website. Alternatively, you can call us on 13 YOUI (9684) and we can assist you.

When you make a claim you will need to pay an excess.  The following excesses may apply to your claim and will be shown on your policy schedule:

Basic Excess 
This is the initial amount payable by you on any claim

Additional Excess 
In particular instances an additional excess may apply to your claim. 

One Excess 
If you have multiple policies with Youi and an incident occurs at the same place arising from the same single event, which results in damage to other items we cover, there will only be one excess will be payable.