Frequently Asked Questions

How long after buying before I'm covered?

Our aim is to have you covered on the date that you have requested. Every policy submitted online must be checked by us before the cover can start. If you want to check the progress or have any questions on a policy please call us.

Which payment methods are accepted?

We accept payment by card or direct debit where the premium exceeds £100.

  • Credit/Debit card: enter your card details (card number, name, expiry date and issue number if applicable)
  • Direct debit: you can either set the debit up as an annual, or monthly direct debit

How long will you retain a quote for?

For 30 days after you fill in your quote we will hold the quote and keep the rate. After 30 days you'll have to repeat the quotation process.

How secure is your site?

Very, once you begin the quote process you will be protected by high level SSL encryption so your privacy and security will be protected.

Will I be charged at the time of buying?

If paying by credit or debit card, you'll be charged when you submit your policy.

Is boat insurance a legal requirement?

No, boat insurance is not required in the UK. However many marinas, waterway authorities and harbours will require you to be insured before you can use the facilities.

What can I do if I have a complaint ?

It is our intention to provide you with a high level of customer service at all times, however, if you wish to register a complaint, please contact us:

If your complaint relates to a policy underwritten by an insurer at Lloyd's please note that in some circumstances we may not be authorised to handle your complaint and will need to pass this onto your insurer. Please refer to your policy wording for full details of the complaints procedure in relation to your policy.

Details of Lloyd's complaints procedures are set out in a leaflet HOW WE WILL HANDLE YOUR COMPLAINT available at www.lloyds.com/complaints and also available from the address below.

Where we hold authority to handle your complaint on behalf of an insurer at Lloyd's and you are dissatisfied with the response that you receive from us, you can refer your complaint to Lloyd's. Lloyd's will investigate the matter and provide a final response. Lloyd's contact details are as follows:

Complaints
Lloyd's
One Lime Street
London EC3M 7HA
Email: complaints@lloyds.com
Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
Website: www.lloyds.com/complaints

Ultimately, should you remain dissatisfied with the response from any of the above, you may, if you are eligible, refer your complaint to the Financial Ombudsman Service (FOS). http://www.financial-ombudsman.org.uk/

If you wish to complain about an insurance policy purchased online you may be able to use the European Commission's Online Dispute Resolution platform, which can be found at the following address: https://ec.europa.eu/consumers/odr

What if I am in financial difficulties

If you are a policy holder and you are experiencing financial difficulties and struggling to make payments for your insurance policies, please contact our office to discuss how we can assist you.

We can speak to the finance provider to see whether the following would be suitable;

  • “Hold” the agreement for 14 days to allow you more time to pay an outstanding instalment
  • Set up a Debt Respite scheme also known as “Breathing Space” which can give you legal protections from creditor actions for up to 60 days

As well as speaking to us, you can get free help and advice from the government and other organisations that are able to offer support and advice on managing your financial circumstances;

StepChange

Debt advice and fee free debt management. – www.stepchange.org or 0800 138 1111

Citizens Advice

Advice and help on managing debt – www.citizensadvice.org.uk or 0800 144 8848

Money Helper

Advice on managing income, debt management and free advisory services – www.moneyhelper.org.uk

Have you already got a quote?

Just enter your quote reference and email to recall your quote.

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