You will have to pay the first part of most claims (the excess). Refer to your schedule and policy for details.
We will not pay more than the sum insured or limits shown in your schedule and policy.
Deductions for age will apply to claims for outboard motors.
Limits which apply to your insurance
Personal effects single item limit £250 (unless specified)
Personal effects up to 2% of the sum insured (maximum   £2,500 minimum £500)
Tenders up to £500 in value, not exceeding 16’/4.87m in length (unless specified)
Personal accident – £25,000 per benefit