Terms and Conditions

Find out more about Craftinsure in the About Us section, or return to our homepage here. To speak to us about our terms and conditions ring our helpline 0345 2607 888 or email help@craftinsure.com. We accept T&C's is not the most exciting part, but it is important and we would like you to read it all the way through. Please read these Terms and Conditions carefully. They form an important part of the contract between Craftinsure and you.

Craftinsure Ltd

Craftinsure and craftinsure.com are trading names of Craftinsure Limited (Registered in England No. 04507332) Registered Office: The Royals, Altrincham Road, Manchester M22 4BJ. "We", 'Our' and "Craftinsure " refer to this company. Craftinsure is a marine insurance underwriting agency.

Insurer

The insurance is provided by Navigators and General a trading name of Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Zurich Insurance plc is authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority and with deemed variation of permission. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA‐based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Our FCA Firm Reference Number is 203093.

Authorisation and Service

Craftinsure Ltd is authorised and regulated by the Financial Conduct Authority. Our register number is 309693 and our permitted business is marine insurance as listed @ www.fca.org.uk.

UK only

Craftinsure.com is directed at UK and Northern Irish residents only. Our products and services are only available to UK and Northern Irish residents. By getting a quotation you confirm that you are resident in the UK or N.Ireland and you will immediately notify us if you cease to be so resident.

The content of this site and the products and services offered comply with appropriate UK and Northern Irish legislation and regulation.

The parties to this contract have the right to choose the law applicable. We propose that English Law will apply. If there is a dispute as to which law applies, it shall be English Law.

Accuracy of information

The information that you provide to us must be true and correct to the best of your knowledge and belief as it will be the basis of the Contract between Insurers and you. Although we may undertake checks to verify your details, it is your responsibility to ensure all information provided is accurate and complete otherwise it could invalidate your insurance and this may affect any claim.

Boats covered

We only cover privately owned UK registered boats. Your boat must be kept or moored in accordance with the territorial scope and terms of your Policy.Your boat must be in a seaworthy condition and must not be skippered by any persons who, to your knowledge, have been refused boat insurance.

Confidentiality of information

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request, with your consent, in relation to administering your insurance or where law requires us. As part of the FCA's duties, we may be asked to provide them with access to our customer records in order that they may carry out a review of our activities.

Data Protection Act

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to other insurance companies for underwriting and claims purposes. Under the Data Protection Act 2018 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any questions email us.

Notification of Claims

Go to claims@www.craftinsure.com. You should contact us as soon as possible at claims@craftinsure.com or 0345 2607 999.

Telephone calls

Craftinsure may record or monitor telephone calls you make to us for training purposes and with the aim of improving the service that we provide.

Our Fees and Charges

We reserve the right to make additional charges to cover our Administration costs. These charges are as follows:-

• New Policies arranged/reinstated by phone (online free): By us £15.00
• Posting out of documents: By us Free.
• Updating card/payment details (online free): By us £10.00
• Adjustments to monthly policies (online free): By us £15.00
• Mid term adjustments to annual policies: By us £15.00
• Policy cancellation (online free): By us £20.00
• Policy endorsement and Foreign Certificate £15.00 per item

Email communication

We will communicate with you by email, and update our site regularly. It is therefore important that you:

• 1. check your email regularly, as we may have tried to contact you
• 2. advise us immediately of any changes to your email address
• 3. check our site regularly for updates and information

Payment terms

Payment of premium is required when cover commences. By accepting these terms and conditions you authorise us to collect premiums per the paragraph 'Credit/debit card application'. We only accept payment by certain cards online.

You may be able to spread payments monthly by clicking on the phrase 'please click here for monthly payment options' on the quote page at www.craftinsure.com this option must be selected before cover commences. Any subsequent alteration to the payment option may incur administration and cancellation fees noted in 'Our Fees and Charges' above.

Credit/Debit card application

I authorise you, until further notice by e-mail, to charge my credit or debit card account when payments become due. I understand shortly after the renewal date of my policy, Craftinsure will automatically apply for payment of the premium due.

Documentation

We may keep certain documents whilst we are awaiting full payment of premiums or charges. In these circumstances we shall provide details of your insurance cover and any documents that you require by law.

Block Transfers

We operate a block insurance arrangement in order to provide competitive terms. On occasion it may be necessary for us to transfer our portfolio of business from one insurer to another where this is beneficial for our clients. Your placement of cover with Craftinsure and consequent agreement to these Terms & Conditions constitutes both your acceptance that we may do this and your prior request for us so to do.

Website content including links to other websites

Craftinsure has taken every reasonable step to make sure the information contained in this website is accurate and up-to-date, however we can accept no liability for any errors or omissions.

Our website contains links to other websites. Craftinsure accepts no responsibility or liability for the content of these web sites.

Please email us at feedback@craftinsure.com with any comments that you have about the site content.

Copyright

The copyright for material contained in this website is owned by Craftinsure.

You may view any part of the craftinsure.com website, and print a copy of it for your personal use. You may not use, copy, or distribute any of the material contained in the craftinsure.com website for any other purpose, nor incorporate or distribute it in any other form or publication.

Revisions

Craftinsure may revise these Terms and Conditions at any time by updating this page. If you renew your contract with us, or purchase a new product or service, you will be bound by the Terms and Conditions current at that time, which may differ from these.

If you proceed, and access the information included in this website, Craftinsure will take it that you have read, understood, and agree to be bound by the information and conditions contained in these pages.

Our Complaints Procedure

We aim to provide a high standard of service that will leave you no cause for complaint. However, if you feel we have not met the high standard you would expect of us, any enquiries or complaints regarding your policy may be addressed to complaints@craftinsure.com or by post to the Managing Director, Craftinsure Ltd, The Royals, Altrincham Road, Manchester M22 4BJ. Alternatively please call us on 0345 2607 888.

If you are not satisfied with the handling of your complaint, please write to the Managing Director, Zurich Insurance plc, PO Box 848, Brighton BN1 3GQ.

In the unlikely event that we cannot resolve any difference between us, you may refer the matter to the Financial Ombudsman Service whose address is Exchange Tower, London, E14 9SR. This is a free service and will not affect your legal rights. You are entitled to contact the FOS at any stage of your complaint.

Please note that nothing in this process will adversely affect any right of action which any party to the contract may have against Craftinsure Limited or Zurich Group.

Cancellation Rights

You can cancel cover at any time within the customer login area at www.craftinsure.com.

If you have made a claim during the currency of the Policy being cancelled then no refund is due, and if you are paying premiums monthly, you agree that we may collect the balance of the annual premium outstanding.

If you cancel your policy before the end of the policy term (including during the first 14 day cooling off period), provided you have not made a claim during the current period, and the sum to be refunded exceeds £25, your card will be credited with a pro rata refund based on equivalent months left to run, less incurred administration charges which will not exceed 10% of the originally collected premium.

Individual monthly premiums are non refundable.