In the event of any occurrence which may give rise to a claim under your boat insurance policy, notice must be given to insurers in writing using the claim form which must be returned to us.
You must also obtain and submit a written repair estimate for the damage sustained to your vessel. If requested, alternative repair estimates must be obtained. This information will enable Insurers to make an initial evaluation on policy liability and coverage, however additional information may be requested depending upon circumstances.
A claim form will be required from you as soon as is practicable, and it may also be necessary to appoint a surveyor or loss adjuster to discuss the circumstances of the claim, inspect the damage to your vessel or to undertake further investigations. All damaged parts should be retained for inspection. You must obtain our written consent prior to selecting and authorising repairs.
In the event of a claim being made against you by a third party, as soon as is practicable all claim letters, summonses, writs or documents which are received from a third party, need to be provided to us unanswered. You must provide any assistance and information as reasonably required.
No liability of any sort should be admitted, and no undertaking given, nor should any offer, promise or payment be made, or legal expenses incurred by you or any person onboard, without our prior approval.
In the event of any claim arising under your boat insurance policy which is also recoverable under another policy, we shall only be liable for our rate-able proportion of the claim. If theft or malicious damage is involved you must contact your local police first and obtain a Crime Reference Number, you will need to quote this and the contact details of the police station when you make your claim with us afterwards.
Should you have any questions about how to make a claim, or what to do in the case of an incident or accident, please get in touch with us directly and we will be happy to discuss it with you. Our London-based, helpful and efficient claims handling team will be able to take you through the process, painlessly and worry-free. Our office hours are Monday to Friday 9am to 5.30pm GMT. If there is a claim or incident that takes place out of office hours you should act as a prudent uninsured, i.e. as if you have no insurance, and then get in touch with us as soon as you can.
Finally, to ensure the safety of both yourself and your boat, always make sure that you safeguard your property, including the replacement of damaged locks and security devices.