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If you would like to speak to us in connection with these terms and conditions please ring our helpline 0345 2607 888 or, if out of normal office hours, email help@craftinsure.com
We accept this is not the most exciting part, but it is important and we would like you to read it all the way through, please.
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 & Wales No. 4386107) Registered Office: 23 Falconers Park, Sawbridgeworth, Hertfordshire, CM21 0AU
. "We", 'Our' and "Craftinsure " refer to this company. Craftinsure is a marine insurance underwriting agency.
Insurer
The insurance is provided by Zurich Insurance plc. Registered in England & Wales No. 173444 Registered Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire, PO15 7JZ.
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 on the website at www.fca.org.uk.
UK only
Our website is directed at UK and Northern Irish residents only. The products and services described are only available to UK and Northern Irish residents. By completing a request for a quotation you confirm that you are resident in the UK or Northern 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 by us 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 1998 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 queries, please write to the above address.
Notification of Claims
Please use the claims tab at www.craftinsure.com or refer to your policy document if you need to notify a claim. You should contact us as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact the claims helpline 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 to you.
Cancellation Rights
You can cancel cover at any time within the customer login area at www.craftinsure.com. However, 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 hereby 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.
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 £10.00
Posting out of documents (where available online free): By us £10.00
Updating card/payment details (online free): By us £5.00
Adjustments to monthly policies (online free): By us £10.00
Mid term adjustments to annual policies: By us £10.00
Policy cancellation (online free): By us £10.00
Policy Endorsements and Foreign Certificates: £10 per item
Email communication
We will communicate with you by email, and update our site regularly. It is therefore important that you:
- check your email regularly, as we may have tried to contact you
- advise us immediately of any changes to your email address
- check our site regularly for updates and information
Payment terms
Payment of your premium is required when cover commences. By accepting these terms and conditions you authorize us to collect premiums as embodied in 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 but 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.
Complaints procedure
We aim to provide a high standard of service that will leave you with no cause for complaint. However, if you feel we have not met the high standard you would expect of us, any enquiry or complaint regarding your policy, may be addressed to complaints@craftinsure.com or by post to the Craftinsure Limited Registered Address shown above.
If you are not satisfied with the handling of a complaint please write to the 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 and you can also link to their online dispute resolution service by following this link ec.europa.eu/odr.
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.
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.
We will only request necessary information from you and we will try to ensure that your details are accurate and kept up to date.
Where we have collected information directly from you it will usually be obvious what this is, as you will have given it to us. This might not be the case where we have used cookies to collect information from your computer or portable electronic devices. Please see our cookies policy for more information.
We collect and use this information as part of your insurance quotation or contract with us, where it is necessary to fulfil a legal obligation, or as part of the establishment or defence of a legal claim.
We use your personal information in order to meet our obligations in our contract of insurance with you. We use your personal information in the following ways:
To provide insurance services
When you request us to provide you with a quote for one of our insurance policies or you purchase an insurance policy from us, we use information about you:
We cannot provide these services unless we use the information about you in this way.
Do what we are required to do by law
As part of our duty as an insurer providing insurance services, sometimes we are required by law to use information about you:
We use your personal information in this way because we are required to do so by law.
Prevent fraud occurring
Fraud has an impact on all customers as it increases costs for everyone. We use your personal information to check for signs that a customer might be dishonest (e.g. if someone has behaved dishonestly in the past it may increase the risk they will do so in future).
We may use your personal information in this way because it is in all our customers' interests to ensure that they are not prejudiced due to increased premiums, as a result of a few customers acting dishonestly.
Recover debt
If you owe us money we will use your personal information to help us recover it.
We can use your personal information in this way because it is a necessary part of the contract of insurance. We need to ensure that premiums are paid so that the majority of our customers do not suffer (e.g. through increased premiums) due to the actions of a small minority of customers.
To inform you about and promote products (marketing)
We may use your personal information to offer you suggestions about products and services you might want to buy. We can use your personal information in this way because it is in our legitimate interests to provide you with the right information at the right time,
We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to meet this legitimate interest.
We do not pass your information to any external third party for marketing purposes.
To administer and improve our service
To administer our services we will share information with others, in particular our underwriters, Navigators & General, part of Zurich Insurance plc whose own Privacy Policy is accessible here:
We may also ask you to provide feedback on the service we provide to you.
We can use your personal information in this way because it is in our legitimate interests to provide our services in the most efficient way. We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to achieve this efficiency.
We may share your personal information with third parties.
In particular we share information with:
We are only allowed to keep your personal information if we need it for one of the reasons we describe in the sections above.
As a general rule, we will keep it for 6 years from the end of your relationship with us, as it is likely that we will need the information for regulatory reasons or for a claim. For example, should you wish to bring some form of legal action relating to your relationship with us, this would generally need to be done within 6 years from the end of that relationship. However there may be exceptions where we need to keep your personal information for longer, such as where a claim has involved a minor.
We will also retain data in an anonymous form for statistical and analytical purposes, for example, to assess risk of storm damage occurring.
If we rely on your consent to collect and process your personal information. You can ask us to stop using your personal information at any time by withdrawing that consent. We will stop using your personal information for those purposes.
Where we are not able to hold or use the personal information we need to provide the service you are asking for, or to fulfil a legal requirement, we will be unable to continue providing that service.
We will be pleased to tell you about why we need the information when we ask for it.
We will collect information about you and your boat, and put this into our computer systems. The computer systems will make certain automated decisions which will be based on comparing you with other people. This may have an impact on the level of premium and your policy terms. We may also use automated decision making to conduct an identity verification check.
This is important because:
We have used SSL 256 bit encryption to keep your personal information and credit or debit card account details as secure as possible. We use Secure Trading to provide the highest levels of encryption. Please click on www.securetrading.com for more information.
Your email address and password help us to protect your personal information.
You must keep this password safe and must not disclose it to anyone.
You need your email address and password to access your personal information on the craftinsure.com web site.
craftinsure.com will accept no responsibility or liability if a third-party obtains and uses your email address and/or password.
You must tell us immediately if you have lost your password, or if you believe a third-party may have obtained it.
You may change your password through the PolicyHolder section of the website.
Should you wish to remove any information that we may have recorded about you, please email us at help@craftinsure.com, with full details.
This section tells you how we use cookies, why, and how this allows us to improve our service. We call it our Cookies Policy. If you do not know what cookies are, or how they are used, then we recommend you visit www.aboutcookies.org for detailed guidance.
By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply.
We reserve the right to make changes to our Cookies Policy. Any such changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.
The list below describe the cookies we use on this site and what we use them for.
Analytics Cookie: We use analytics to collect information about visitor behaviour on our website. The Analytics data we collect is not tied to personally identifiable information and is used purely to improve the usability of our website.
Session Cookies: We use session cookies to allow you to log-in to the Craftinsure site. These are strictly necessary to the working of the website. Session cookies last only for the duration of your visit and are deleted when you close your browser.
