If something happens at our end ….such as the vessel becoming unserviceable, (for instance due to damage by a previous charterer) then we will refund the charter fee in full if we are not able to arrange a mutually acceptable alternative. If there is a weather event which makes taking the boat to sea unsafe, we will also refund on a time-lost basis. (See the contract document for details and conditions) Please bear in mind that as the owner of the business, my interests all revolve around referral business and repeat business from happy customers.
However, if something happens at your end, such as sickness or travel problems, you'll need travel insurance to cover the loss.
Earlier this year I made some calls to research insurance for local clients, and from what I can see, in New Zealand there are only a few people that seem to do travel insurance for domestic trips. The only people who appeared helpful were Cover-More insurance, http://www.covermore.co.nz/content/5282/en/domestic-travel-insurance ph 0800 500 225, and “Sharon” from there told me that sailing is indeed covered as an activity as long as it is within the 12m limit, and that they would cover under the cancellations provisions on their “Plan B”. They did, however, say that they don’t treat a boat bond under the “Rental Car Excess” clause. I’m passing this all on “without prejudice” and you’d have to check the wording, but there’s a place to start.
For international travellers, TopSail is one that has cover which addresses quite large singular costs/losses, such as charter fees. We recommend that you check them out. click on this link