Important information for marine policyholders
Even if you’re not making a claim for damage to your own possessions or other expenses, you may find yourself facing a claim from another person involved. We will give you help and advice and deal with any claims made against you.
Many of our policies provide a 24-hour Helpline and legal expenses insurance, the details of which will be shown in the policy or schedule.
An accident can happen at any time. For many people, it is a new experience, the first time that they will have thought about their insurance policy and tested the product that they had hoped never to have to call upon. This guide explains the main steps along the way and deals with what happens next to you and your vessel and anyone else involved. It tells you what we can do to help.
Our promise to marine customers
We can’t stop accidents happening but we will do all we can to make sure that:
- The consequences are as hassle-free as possible
- You have an understanding of what comes next
- You get the maximum benefit from your insurance cover
First, and most important, act immediately to minimise the damage or loss, regardless of whether it is insured or not. Take all reasonable steps to secure any damaged property (e.g. by stopping the vessel from sinking) and stop further damage from occurring but without risking your life or the lives of others.
With effect from 1st September 2019, all new claims where your marine provider is Nautical Insurance Services will be dealt with directly by them giving you direct access to their dedicated claims team.
Making a Claim
Before making an accident claim please have details of:
- Names, addresses, phone numbers of any other persons who were injured
- Names, addresses and phone numbers of owners of damaged property
- Names, addresses and phone numbers of their insurers
- Details of any injuries suffered
- Details of any property damaged
- Names, addresses and phone numbers of any witnesses
- Police or marine authorities officers’ details and incident reference number
- Take photographs of the scene and any damage where it is safe to do so
Remember, this information is important because it will help us to contact anybody else involved in the incident.
Whether you are at fault or not, this information is extremely valuable as it helps us to manage costs effectively – which ultimately helps to minimise the impact of claims on your premium.
What do I do if my boat or property has been stolen?
The first thing to do is to report it to the local police where the theft occurred, this is absolutely vital as all insurers will insist that this has been done. Make a note of the crime or incident reference. Also, inform the local harbour master’s office.
Next report the claim to our Claims Department.
How do I recover my excess and any other losses?
Your policy cover may include legal expenses cover, and this is there to provide you with a range of legal services in connection with your personal insurance policy.
One of the services it can provide is the recovery of any losses not covered by your policy; such as injury or your excess. If you report your claim to our Claims Department and the legal expenses cover is included then we will provide the legal expenses insurer with details of your claim and they may contact you before you hear from us.
They will assess whether you have a case against another party, and if they conclude that you do, they will make contact with you to see if they can help you.