In the event of an emergency, please contact our 24-hour emergency claims line on: +44(0)1202 647 463
General procedures in the event of a claim
In the event of loss of or damage to a vessel, the incident should be reported to us as soon as possible. This can be either by telephone, fax, letter or e-mail.
If the cost of repair is likely to escalate as a result of delay, e.g. when machinery, electrics and carpets, etc. are flooded by seawater, please call us immediately so that we can work with you to mitigate the escalation of repair costs.
When returning your claim form it should be completed as fully as you are able, sending it back to Coleman Insurance Brokers as soon as possible along with detailed estimates for repairs/replacement if available.
Please do not delay returning the claim form whilst awaiting the estimates, as the claim can be registered in the meantime. However an estimate should be provided as soon as possible.
If the costs are such that Insurers appoint a Surveyor to inspect the damage and investigate the loss, we will provide you with contact details and normally ask the Surveyor to contact you directly.
Only when your Insurers have considered the claim form, estimates and, if applicable, the Surveyor’s report will they respond.
Insurers may request a second estimate. Once the estimates provided have been approved, you may give the repairers/suppliers instructions to proceed.
Under no circumstances should you go ahead or sanction repairs to the damage to your vessel without Insurers approval. This may prejudice your rights to recovery under the policy.
When repairs have been completed to your satisfaction the receipted invoice should be submitted to us.
Please note that all invoices should be issued in the name of the owner/policyholder, not to Coleman Insurance Brokers or your Insurers.
Additional Action that may be required
Minimising the loss
If damage has left the vessel vulnerable in any way you must take immediate steps to safeguard your property. You must therefore act as if uninsured to minimise the loss. Any additional loss caused by lack of action will not be covered.
Insurers will require an invoice for immediate first aid works carried out to safeguard the vessel, including lift out cost, towing, wash down or steps to safeguard the vessel engines if waterlogged etc.
Theft, break-ins or malicious damage must be reported promptly to the police and the crime number noted. Outside of the UK, where a crime number may not be available, a copy of the Police Report will be required.
Insurance policies generally cover theft of the craft
or following forcible entry or exit, removal or theft
of gear or equipment from within a vessel.
For the claim to be valid you, the insured, must show that you have exercised due diligence in making your craft secure. Basic precautions against theft should be taken, for instance loose gear in the cockpit which can be easily removed may not be covered.
If you wish to make a claim for personal effects, check your latest policy schedule, statement of fact and policy wording. If you have not declared items of value, you may not be covered.
If an incident involves another person/craft, do NOT admit liability or give the impression of accepting responsibility. Do NOT make any offer of payment.
If you hold a third party liable for an incident, in order to preserve your position you should write to
the third party immediately holding them liable for
all costs and explain in the correspondence why you hold them responsible.
If a third party holds you liable for an incident, any
correspondence received should be passed to us immediately. Although you may acknowledge receipt of this correspondence, you should not respond.
Copies of all correspondence should be provided for Insurers as soon as possible.
In all cases, photographs of the damage sustained are always helpful.
The Surveyor/Loss Adjuster
If a Surveyor is appointed they represent the Insurer’s interests.
The Surveyor will investigate and report with regard to nature, cause and extent of the loss.
Although a Surveyor will, if necessary, help put you in touch with boatyards, repairers or suppliers to obtain estimates, a Surveyor is not able to instruct work on an owner’s behalf.
Your Responsibilities as the Insured
The onus is on you, the Insured to show that the damage or loss sustained is caused by a risk covered under the terms of the policy. As such, there is a responsibility on you to establish the proximate (root) cause of a loss.
You are responsible for making all arrangements for recovering/repairs to the vessel, along with paying the companies concerned.
Only you, the Insured, can give instructions to repairers, boatyards, etc. for work to be done.