Why Navigate

With Navigate you are not just dealing with a company that understands insurance, we bring years of knowledge and experience in the marine market. Not only do we underwrite watercraft but live a lifestyle where we have an ongoing active and passionate involvement in boating. We also understand the high service demands placed on intermediaries by their clients, and respond with personal, efficient, hands on service.

With Navigate you not only have top class financial security through Mutual & Federal Risk Finance, but are dealing with a company who will go the extra distance to accommodate your specific requirements. We have a strong focus on innovation and affordability, which empowers our customers to achieve their professional goals.

Besides our Service and Capacities a few reasons why our Watercraft cover is amongst the best in the world.

  • Our Watercraft wording is arguably the easiest to understand with the widest cover
  • Highly competitive pricing
  • Automatic cover to include neighbouring territories
  • Personal accident benefits up to a maximum of R100 000 included
  • Medical expenses included up to a maximum of R15 000 per event
  • Repatriation costs of up to R50 000 in the event your watercraft is rendered damaged abroad by an insured accident
  • Generous standard liability offerings with the option to extend
  • Cover can be adjusted to include worldwide navigation.
  • Cover for electronic equipment and any extra's installed on the vessel, specified in the schedule
  • Cover for all risk items such fishing, diving, water ski, or wakeboard equipment, specified in the schedule
  • Automatic cover if you have to depart from your agreed cruising area for up to 72 hrs
  • Worldwide support network for claims
  • Navigate have a national network of industry specific repairers, assessors, and marine product suppliers to ensure that claims are handled professionally and correctly by people who understand your clients asset and loss.
  • Automatic Cover for hitting submerged objects
  • Consequential damage caused as a result of latent defect in hull or machinery
  • Cover for loss or damages to Personal effects Gear or Equipment stated in the schedule
  • Cover for breakage of shafts, struts and propellers
  • Racing is usually covered as standard but all proposals are individually assessed and special conditions may be applied to the sportier yacht
  • Usually no crewing restrictions for experienced owners
  • Easy changes and amendments to policy/communications by phone, e-mail, fax
  • Protected personal information
  • Dedicated, well trained support staff and sales team – no functions outsourced to call centres or fulfilment houses