Products - The Bristol Gold Watercraft Insurance Policy

One of the most comprehensive and innovative watercraft insurance "package" policies has now been improved in the Bristol Gold. In addition to our standard "agreed value" insurance protection, you'll find superior basic coverages, new additional "optional" coverages and higher "standard limits" than most other companies offer. In addition to all new, state-of- the-art coverages under just one policy, this policy incorporates special premium discounts that provide you with comprehensive coverage at a very affordable premium! You'll also find new and unique coverage options that allow you to create a policy that is custom-made for you!

Check your current policy. Do you have all these coverages?

• "Total Replacement Cost" Coverage if your watercraft is five (5) years old or newer --- New Optional Coverage!
  
  
• A "Disappearing Deductible" so that after four (4) consecutive years of no losses/claims under your policy, your Physical Damage Deductible on your watercraft's hull and machinery/engines/outboard motor(s), and unattached equipment is "zero dollars"! --- New Optional Coverage!
  
  
• Uninsured Boaters Insurance Coverage (which matches the Watercraft Liability limits you choose)
  
  
• Primary Medical Payments Coverage (for all passengers that are not "Insureds") and Excess Medical Payments Coverage (for all "Insureds")
  
  
• Leased Watercraft Coverage
  
  
• Limited Contractual Liability Coverage
  
  
• Contaminant/Fuel Spill Liability Coverage is available (at a nominal additional premium charge)
  
  
• Our unique NAVIGUARD Mechanical Breakdown Coverage Endorsement is available for "qualified" watercraft.
  
  
• Our "Bristol Gold PLUS" Endorsement which provides the following additional coverages for a "nominal" additional premium is available:
  1. Hurricane Haul-Out Protection Coverage
  2. Rental Reimbursement Coverage
  3. Additional Repairs Coverage
  4. Scheduling of "Personal Effects" Waiver

In addition, "discounts" are offered based on experience, previous ownership, our new "multiple policy discount" (if you have more than one policy with Old United Casualty Company), "loss-free discount", and boaters education courses completed as welll as fire, theft and security systems on the watercraft, trailer, and/or propeller.

You still have the ability to personally customize your watercraft policy by choosing even higher coverage limits and/or a lower deductible at a minimal additional premium, or choose a higher deductible option which will even further lower our already highly competitive annual premium.

Old United's coverage is superior in a number of ways:

• An "Agreed Value" Policy [except on outboard motors and sterndrives units/inboard/outboards over seven (7) years of age, gasoline fueled inboard engines over ten (10) years of age, and diesel fueled inboard engines over twelve (12) years of age and certain normal depreciable items outlined in the Policy --- i.e. batteries, upholstery, carpeting, trailer tires, etc.] providing comprehensive Physical Damage Coverage while your watercraft is afloat, ashore or in transit and includes coverage for tenders, trailers and outboard motors when scheduled separately. Unattached equipment and accessories are insured up to 50% of your watercraft's hull insured value.
  
  
• Emergency Service Coverage (including watercraft trailer roadside service) with new limits of $500 per occurrence.
  
  
• Personal Effects Coverage of $1,000. is included.*
  
  
• Watercraft Liability Coverage up to $500,000.is available.
  
  
• Medical Payments Coverage up to $10,000. is available (dependent upon the Watercraft Liability limits chosen) and is on a "primary" basis for passengers and guests and on an "excess" basis for "Insureds".
  
  
• Uninsured Boaters Coverage which matches the Watercraft Liability limits chosen.
  
  
• Liability Coverage for use of Non-Owned and Loaner Watercraft.
  
  
• Newly Acquired Property Coverage.
  
  
• Wreck Removal Expense Coverage.
  
  
• Defense Cost Coverage.
  
  
• Contaminant/Fuel Spill Coverage with $500,000. limits is available at a nominal $25. additional premium charge.
  
  
• The availability of our two (2) newest optional coverage features:
  
  
  • Total Replacement Cost Coverage is available at an additional premium charge for any watercraft that is five (5) years old or newer. The coverage provides the policyholder the option of replacing the covered watercraft with a brand new watercraft that is (to the fullest extent possible) the same make, class, size, type and horsepower and which contains comparable equipment to the covered watercraft should it be a "total loss" or "constructive total loss" during the policy's term.
    
    Your choice of either:
    
    
  • The "Disappearing Deductible Option" that reduces your watercraft's hull and machinery/ engine/outboard motor(s) deductible amount by 25% each year provided that you are "loss-free" the previous year. After four (4) consecutive years of being "loss-free", your deductible is "zero dollars"!
    
    O-R
    
    
  • A "10% Loss-Free Discount" being applied to your next year's renewal policy provided you are "loss-free" the previous policy term. (This "10% Loss-Free Discount" is not a cumulative credit for consecutive loss-free years, however.)
    
    
• The availability of our optional "Bristol Gold Plus" Endorsement which provides the following additional coverages for a nominal additional premium charge:
  1. Hurricane Haul-Out Protection Coverage;
  2. Rental Reimbursement Coverage;
  3. Additional Repair Coverage; and
  4. Scheduling Of "Personal effects" Waiver.
     
     
• Our unique NAVIGUARD Mechanical Breakdown Coverage Endorsement is available for "qualified" watercraft.
  
  

The Bristol Gold Watercraft Program's Specifications

Qualifications
To be used for watercraft 26 feet in length or less with a combined hull, outboard motor or engine, and trailer value of $100,000. or less and 25 years old or less. Normal maximum speed is up 65 MPH with bass boats up to 75 MPH!

Valuation
"Agreed value", except for certain specific items, subject to depreciation as outlined in the Policy. Outboard motors and sterndrive units/inboard/outboards over seven (7) years of age, gasoline fueled inboard engines over ten (10) years of age, and diesel fueled inboard engines over twelve (12) years of age and certain normal depreciable items outlined in the Policy --- i.e. batteries, upholstery, carpeting, trailer tires, etc. --- are, therefore, subject to "actual cash value" valuation.

"Total Replacement Cost Coverage" is also available at an additional premium charge as an "optional coverage" on watercraft that are five (5) years old or newer.

Coverages And Sublimits

1. Coverage "A": Watercraft Hull And Equipment (Physical Damage Coverage) $1,000. to $100,000. combined hull, engine/motor and trailer value.
   
   
2. Coverage "B": Watercraft Liability
   Options of $50,000, $100,000, $300,000, and $500,000.
   
   
3. Coverage "C": Medical Payments Coverage
   Standard coverage at no additional charge:
   • $1,000. per occurrence with a $50,000 Watercraft Liability limit
     
     
   • $5,000. per occurrence with a $10,000. Watercraft Liability limit
     
     
   • $10,000. per occurrence with a $300,000. or a $500,000. Watercraft Liability limit
     
     
4. Coverage "D": Uninsured Boaters Insurance Coverage
   Matches whatever Watercraft Liability limits are chosen by the "Insured", subject to a maximum limit of $500,000.
   
   
5. Coverage "E": Personal Effects Coverage
   Standard coverage at no charge is $1,000., subject to a $100. deductible. Higher limits are available. Coverage is "replacement cost", subject to a graduated depreciation schedule.
   
   
6. Emergency Service/Towing Coverage: Standard "no cost" coverage is now $500 with no deductible.
   
   

Deductibles
Watercraft And Equipment Physical Damage Coverage have a "standard" $250. deductible --- with options of either $100., $500., or now $1,000. are available to the "Insured".

Minimum Premiums
$100. for all policies, subject to a $50. minimum earned premium. All new policies are subject to a one-time flat $25. fully earned "policy service fee" (except in states where it is prohibited).

Optional Coverages Available

1. The "Bristol Gold Plus" Endorsement is available at a nominal additional premium and provides the following additional coverages:
   
   
   • Hurricane Haul-Out Protection Coverage;
   • Rental Reimbursement Coverage;
   • Additional Repair Coverage; and
   • Scheduling of "Personal Effects" Waiver.
   
   
   
2. Contaminant/Fuel Spill Pollution Liability Coverage Endorsement with $500,000. limits at an additional premium charge of $25.
   
   
3. Your choice of either one (1) of the following coverage options/features:
   
   
   • The "Disappearing Deductible Option" that reduces your watercraft's hull and machinery/engine/outboard motor(s) deductible amount by 25% each year provided that you are "loss-free" the previous year. After four (4) consecutive years of being "loss-free", your deductible is "zero dollars"!; O-R
     
     
   • A "10% Loss-Free Discount" being applied to your next year's renewal policy provided you are "loss-free" the previous policy term. (This "10% Loss-Free Discount" is not a cumulative credit for consecutive loss-free years, however.)
     
     
4. Fishing Guide Coverage Endorsement
   
   
5. NAVIGUARD Mechanical Breakdown Insurance Endorsement for "qualified" watercraft which covers not only the watercraft's motor(s)/engine(s), but also many other mechanical and electrical components, the boat trailer, and more! A unique Old United Casualty Company feature!
   
   
6. Total Replacement Cost Coverage Endorsement for any watercraft that is five (5) years old or newer. The coverage provides the policyholder the option of replacing the covered watercraft with a brand new watercraft that is (to the fullest extent possible) the same make, class, size, type and horsepower and which contains comparable equipment to the covered watercraft should it be a "total loss" or "constructive total loss" during the policy's term.
   
   

So help keep your watercraft shipshape with the protection and peace of mind you deserve by insuring your watercraft with Old United Casualty Company's "Bristol Gold" Watercraft Insurance Policy.

To get a Quick Quote, click here, to fill out the online quote form

This Policy Not Yet Available In The Following Eleven (11) States:

Alaska, California, Connecticut, Florida, Georgia, Hawaii, Indiana, Michigan, Virginia, Washington and West Virginia.

*Higher levels of coverage are available, subject to a nominal additional premium charge.