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Night-time clause
Boat insurance term, area: Theft
A restriction that limits theft cover at night, often to the hours between 8 in the morning and 8 in the evening, or ties it to the boat being kept in a locked building. In practice it mostly affects personal watercraft and trailer rigs left overnight in a car park, for example on the way to a slipway or a ferry port.
What to check: Is there a night-time clause, which hours does it define, and does it apply to the boat, the trailer or only to personal watercraft? What counts as a secure place overnight?
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A general explanation in our own words.
What applies to you is set only by the wording of your own policy.
