Personal Watercraft Insurance – Exclusions
Question: What is an Exclusion? An exclusion is an item or risk not covered by an insurance policy or other contract. You will want to read your PWC policy and know the exclusions. Below are typical exclusions you may find in your PWC policy where you will not be provided property damage coverage against or resulting from:
- Wear and tear, mechanical breakdown, gradual deterioration, corrosion, weathering, insect, mold, animals, marine life damage;
- Marring, scratching, denting
- Osmosis, blistering, or electrolysis
- Manufacturer’s defects or defects in design
- Loss or damage caused by freezing
- Loss or damage caused by ice while moored or laid up afloat.
- Loss or damage to machinery or equipment from any internal cause
- Any occurrence while any Covered Person is intoxicated or under the influence of any drug unless taken as prescribed by the Covered Person’s physician or is legally available without a prescription.
If you need help understanding any of the exclusions in your PWC policy, call your insurance agent or the insurance company to know what is and is not covered.
