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There may come a time when you need to make a claim on your Boat Insurance Policy, as long as the claim is covered under your policy we try to make the process as stress free as possible, below are some questions and answers about the claims process. Most Importantly remember the boat is your property and your responsibility, so always act as a prudent uninsured and mitigate any potential loss. Failure to do this could seriously effect your claim.
In the event of a claim you will need to contact us either by phone or e-mail where we will send you a claim form, or to speed things up click the link below to complete the form on-line.
Claims can potentially become problematic and contentious therefore in order to ensure an accurate record of all correspondence claims can only be dealt with by e-mail / post / or via your online messenger.
This depends on the claim. A simple claim where all of the required documents have been provided can be accepted within 7 days. More complicated claims where we are waiting for documents and estimates can take a lot longer. The important thing here is if you are asked to provide information then please do so as quickly as possible.
This is not always the case but Insurers do have the right to inspect the vessel following a claim prior to any work being done on it.
Policy excess / deductible is the amount you would pay in the event of a claim, before Insurers offer settlement. In some cases the policy ecess exceeds the cost of the claim and therefore no settlement is offered. In other cases the policy excess is deleted from the final settlement. In the case of Liability Claims the excess needs to be paid to the Insurer before they will deal with the claim.
In the first instance you would claim directly against their insurance policy, this would save you your no claims bonus, which you would lose if you claimed on your policy and you would not have to pay your policy excess / deductable.