Scottish Boatowners Mutual Insurance Association

Policy

	Hull & Machinery	"All risks" cover with policy excesses applying to Hull and Machinery Claims.
	Disbursement	Disbursements cover available if Total Hull Value is £500,000 or greater.
	Hired Electrics	Cover limited to hirers liability under contract. No policy excess.
	Owned Electrics	All risks covered - no policy excess.
	Gear	Gear, nets, fish boxes etc., whether ashore or aboard are covered for total loss with vessel, damage by fire, or theft following forced entry.
	Personal Effects	Limit of £250 each crew member.
	P & I Inc Employers Liability	P & I - $500m Policy Excess £500
	Personal Accident Cover	Block Policy for whole unnamed crews. 24 hour block cover. Choice of benefit levels. Temporary Disablement Cover Limit 100 weeks, excess of 7 days.
	Loss of Earnings Cover	Resulting from a peril insured against, with the Association.
	Rules	Scottish Boatowners Mutual Insurance Association Rule Book.