How to make a claim
If you have to make an insurance claim, it can be a very stressful time, especially when your life's already busy. And we get that, that's why we're committed to making the claims experience clearer and easier for you.
Contacting our claims team
In the unfortunate event of loss or damage to your vessel, please get in touch with our claims team immediately via the contact details below.
Claims line
+44 (0)1732 223610
Outside these hours, you will be automatically transferred to our messaging service where you can give details of your loss or damage. We always aim to respond to you by the next working day. Alternatively see our 'Emergency out of hours helpline' below.
Emergency out of hours helpline
+44 (0)20 8502 6999
Should you require urgent assistance outside of our office hours, we have arranged for a specialist marine loss adjusting company, C Claims to provide an emergency claims helpline. The C Claims helpline will provide help and guidance in order to assist you at the initial stage of a claim. Thereafter, all advice should be taken from and reference made to us or those parties that we may appoint to assist you.
Understanding the process
- It’s important you tell us about any events that may lead to a claim under your policy, even if you decide not to go ahead with your claim.
- As soon as we are told about an incident, we will ask you to provide full details over the phone or complete a claim form. If you haven’t already submitted a form (online or offline), we will send one out to you.
- As part of the claims process, we will ask for estimates or quotations. These should be sent to us without delay to avoid slowing the process down.
- We may instruct a surveyor to inspect and/or investigate your claim.
- Repair instructions should not be given without our prior agreement.
- When you are satisfied with the repairs, any invoices should be paid by you and the receipts should then be forwarded onto us so that we can reimburse you.
- Take immediate action to safeguard and protect any property from further damage or deterioration. This may include first aid to the engine.
- Get help (professional if necessary) to safeguard and protect your boat and equipment.
- If a tow is required, try to agree a realistic charge or fee before you accept.
- Keep all broken, torn or damaged items for inspection and look after them as best you can.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
- As well as requesting the name(s) and address(es) of the helm and boat owner, get details of the boat type, class, number, name, and club, along with any witnesses details.
- If you are racing, make sure you protest the Third Party if they did not accept a penalty, and obtain witness statements.
- If you are involved in a road accident, call the Police to the scene and obtain details of the driver, vehicle and insurer, as well as any witnesses.
- If possible, write down all the details and make a sketch of the site.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
- If a Third Party wishes to hold you liable for damage, provide them with your name, policy number and boat details and pass on your MS Amlin insurance details.
- You should acknowledge any correspondence and pass it on to us immediately.
- Do not admit any liability or make any offer of payment.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
- Report any theft or malicious damage to the police promptly.
- Keep a note of the Police Crime Reference Number.
- Let us know the serial numbers of any engines, tenders etc.
- Notify your club and local harbour master with the full details of the theft/vandalism.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
- It may seem like strange advice, but when you experience loss or damage to your vessel, you should act as though you are uninsured. This approach will help you take reasonable steps to minimise the loss.
- Where possible please take photographs of any damage to your vessel.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
- Please remember that the repair contract is between you and the contractor. Any instructions regarding either repair or replacement must come from you. However, you must seek our agreement in the first place.
- Please read your policy wording carefully because your claim may be subject to deductions in addition to your policy excess
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
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