Author: Yachtsman7 Aug 2024
Common Reasons for Claims
Boating accidents and mishaps can happen unexpectedly. Some of the most common reasons boat insurance owners in Ireland file insurance claims include:
- Accidental damage: Collisions with other boats, underwater hazards, or damage caused by storms and bad weather are frequent causes of claims.
- Theft: Boats and boating equipment, especially in busy marinas, are prime targets for theft.
- Liability claims: If your boat causes damage to another vessel or property, you may be liable for repair costs, which can result in third-party claims.
- Report the incident immediately: Whether it’s theft, damage, or an accident, notify your insurer as soon as possible.
- Document everything: Take clear photos of the damage or theft, and keep detailed notes about the incident, including witness statements if available.
- Submit your claim: Use your insurance provider’s online portal or contact them directly to submit your claim. Include all necessary documents, such as photos, invoices for repairs, and police reports in case of theft.
- Assessment and review: Your insurer may send an assessor to inspect the boat and verify the claim.
- Receive compensation or repairs: If the claim is approved, you’ll either receive compensation to cover your losses or have repairs arranged by your insurer.
Tips for a Smooth Claims Process
- Be proactive: Gather all the required documents before filing the claim to speed up the process.
- Maintain clear communication: Stay in touch with your insurer and promptly provide any additional information they request.
At Yachtsman, we guide our clients through the claims process with dedicated support to ensure quick and efficient resolutions.
