Guides
List the property separately even when values overlap
Identify the davits, lifting equipment, tender and outboard with available installation records and serial numbers. Ask which items are included in the whole-vessel value and which have separate limits. Keeping an inventory does not mean adding every item's price to the hull amount. Reconcile the definitions and schedule before deciding what value to request.
Describe the activity at the time of a loss
A tender stored on the boat, being lifted, towed or used independently can raise different wording questions. Ask about each intended activity and any conditions rather than requesting a general yes to tender cover. If davits have been modified, retain appropriate design and installation evidence and disclose the changes. This guide does not establish lifting capacity or safe operating procedures.
Separate damage to the lifting system and the tender
For an incident, ask the repairer to identify the affected components and the cause where it can be established. Keep estimates for davit work, tender damage and outboard damage distinct. A single event can affect multiple items, but the applicable excesses and limits must come from the policy. Do not infer one outcome solely from how many invoices are issued.
Documents and questions to prepare
- Tender and outboard identification and ownership records.
- Davit specification and documented changes.
- Storage, lifting, towing and independent-use terms.
- Separate item limits and applicable event excesses.
Worked ownership scenario
A tender is damaged during lifting and a davit fitting also needs repair. The owner submits the event details and separately itemised damage. The owner does not assume that listing the tender creates cover for every lifting cause or that two damaged items always mean two excesses.
Turn the guide into a written insurance brief
Keep the relevant photographs, invoices, reports and correspondence together. Separate facts you can document from questions that remain unresolved. When requesting a decision, identify the vessel, the intended activity and the exact policy term you need clarified. Record who replied, when the response applies and whether an endorsement is required; a general brochure statement may not answer the specific question.
Record the policy wording and unanswered questions
Use the comparison worksheet to keep each requirement beside its document reference. Leave an item unresolved until the insurer has answered it.
Frequently asked questions
Is a tender automatically covered whenever it is attached to the catamaran?
Check the policy definition and conditions for the actual activity. Physical attachment alone does not determine the scope of cover.
Should I add the tender price to an already complete-boat valuation?
Only after confirming what the baseline and policy already include. Avoid counting the same property twice and identify separately requested limits explicitly.
Sources and scope
Manufacturer links support identification and design context. Australian insurer document libraries are starting points for checking policy wording, not evidence of acceptance of this boat or activity. The checklists and examples are editorial guidance. Use the PDS version, schedule and endorsements that apply to your own policy; this guide does not rank insurers or provide an individual insurance recommendation.
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