Frequently asked questions

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We accept payment by Visa, Mastercard or Switch for policies processed over the Internet.

We recognise the need to protect our customers from such security problems as hackers. With this in mind, credit card details are entered onto a secure server where they are encrypted and passed through our accounts system for verification. The encryption prevents unauthorised users from decoding and reusing the details.

You will only be able to access a quote within 30 days from the date it is created. After that time it will expire and you will need to re-input the details to get an up to date price. If you forget your password, there is no way to access your quote.

In order to access a quotation the "SAVE" option must be selected on the quotation screen. You will then be prompted to choose a password and note the quotation number.

No, all the documents you need are available when you take cover out. However, this is not automatic, so please ensure you print when prompted.

Unfortunately we don't know which type of printer you have connected to your computer. Try pressing your computers 'Ctrl' key and 'P' key together when you are on the premium page. If this still doesn't work check your computer handbook. If you've installed Adobe Acrobat Reader, then a PDF version of the Yacht and Motor Boat and Small Craft Policy are available in the relevant sections.

Yes and no; evidence of third party insurance is compulsory at most marinas, harbours and in recognised mooring areas. To obtain an inland waterways licence, you need to produce proof of third party insurance; most lakes and reservoirs require the same.

Loss or damage to the vessel is automatically provided for vessels less than 30’ in length. We can cover larger vessels providing the transit is undertaken by a professional transportation company using purpose built trailers, but you need to notify us in advance.

The value of your vessel should reflect the current market value. Small increase, up to say 10 to 15%, will be quite acceptable. Where the value is not known or ambiguous we will need an independent valuation.

In essence: accidental damage, fire and theft to the vessel and its equipment, together with your liabilities to third parties.

For over 80 years, since 1921.

Coastal waters, up to twelve nautical miles offshore, of the United Kingdom.

Yes, provided they are doing so with your permission and you are confident in their ability to handle the vessel.

Yes, you must advise us of any relevant changes to your own or the vessel's circumstances throughout the year, at the very latest by renewal.

As a general rule, most boatyards and marinas would expect you to retain at least Third Party Insurance whilst the vessel is on their premises, but you should also consider other risks such as fire, theft, malicious damage and stress of weather. 12 month laid up policies at reduced rates are available.

Any facts that would influence our acceptance or assessment of your proposal.
For example:

• a registered medical condition.

• pre-existing damage to the vessel.

• a dispute over the ownership of the ownership of the vessel.

• a change of vessel, permanent mooring or usage, at any stage during the currency of the policy.   

Please note that the above listing is not exhaustive.