Racing Dinghy Policy Number xxxxxx



Thank you for choosing Craftinsure.ie. Craftinsure is an online insurer and so it is intended for this policy to be viewed in electronic format. A definition applies to any word shown in bold italics. To view the definition, simply click on the word. You can also view and download the definitions at www.craftinsure.ie.

Governing Law

Your policy is governed by the law that applies to where you reside in the Republic of Ireland.

Relevant to the entire policy

Definitions:

Click on words when viewing this policy online to see their definition.

Territorial Scope:

Whilst ashore or in transit or afloat on inland and coastal waters of Ireland and the United Kingdom, and for a period not exceeding 30 days in any one period of insurance in continental Europe

Accidental Damage & Theft cover. What is covered:

We will pay for physical loss or damage to “Boat Name” whilst ashore or afloat, or in transit by road within Ireland, the UK or Europe.

Accidental Damage & Theft cover exclusions. What is not covered:

Conditions which apply:

Liability to Others. What is covered:

What is not covered:

We will not pay for any liability claims arising from: 

Exclusions which apply to the whole policy

The first €100 of any claim

We will not pay any claims arising from:

Sanctions

We shall not provide coverage to you or any other party to the extent that such cover would violate any applicable trade or economic sanctions law or regulation.

You have agreed:

Information you should provide

You must tell us immediately if at any time any of the information is incorrect or changes. If We have wrong information, this may result in an increased premium and /or claims not being paid in full, or your insurance may not be valid and claims not paid. If in doubt about any information, please contact us as soon as possible.

Changes in information we need to be informed of include, but are not limited to, the following examples and apply equally to all persons covered under the policy:

Your insurance may not be valid until we have agreed to accept your changes and we will be entitled to vary the premium and terms for the rest of the period of insurance.

You should keep a record of all information supplied to us in connection with this insurance

Cancellation

Automatic Renewal:

In accordance with the Terms & Conditions agreed when purchasing or renewing your policy, We will until further notice charge the credit or debit card registered with us when payments become due. Renewal terms will be emailed to you 30 days prior to the renewal date. We may vary the terms of the policy (including the premium) at renewal. On the renewal date, we will automatically apply for payment of the premium due. Ifyou do not want to renew the policy, provided you tell us or cancel your policy online before the renewal date, we will not renew it.

Accidents and Claims:

Click on the heading "Claims" on our website and complete the online claim form.

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 net the high standard you would expect of us, any enquiries or complaints regarding your policy may be addressed to complaints@craftinsure.ie or by post to the Managing Director, Craftinsure Ireland Ltd, I Connawood Green, Old Connaught Avenue, Bray, Co Wicklow. Alternatively please call us on +353 (0) 1 282 4633.

If necessary, we will arrange for your complaint to be handled by Zurich Insurance plc or their representative, however, if this is the case, the below process will still apply.

If you wish to contact Zurich Insurance plc directly, please use the following contact details.

Call: +353 0 1890 400 300

Email: customerhelp@zurich.ie

Write: Zurich House, Ballsbridge Park, Dublin 4, Ireland

Many complaints can be resolved within 5 days of receipt

If we can resolve your complaint to your satisfaction within the first 5 business days of receipt, we will do so. Otherwise, we will keep you updated with progress and will provide you with our decision as quickly as possible (and in any case within 40 business days). Next steps if you are still unhappy

After receiving our final response or if we have been unable to conclude our investigation within 40 business days, you may be able to refer your complaint to the Financial Services and Pensions Ombudsman (FSPO)

We will let you know if we believe the Ombudsman service can consider your complaint when we provide you with our decision.

The service they provide is free and impartial. We will provide full details of how to do this in our final response or holding letter.

The FSPO can be contacted as follows:

In writing: Financial Services and Pensions Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, D02 VH29 Telephone: 1890 88 20 90 or 00353 1 567 7000

E-mail: info@fspo.ie

Online: https://www.fspo.ie

Following this complaint procedure does not affect your rights to take legal action.

More information about the Ombudsman and the type of complaints they can review is available via their website https://www.fspo.ie/

Contact us:

Craftinsure Ireland Ltd provides an online insurance facility on behalf of underwriters, Zurich Insurance plc. We can assist you with both policy and claims administration.

The administration of your policy can be carried out on line at www.craftinsure.ie where you can: Within the Existing Customer pages, change your details, the boat details or payment method. Within the Claims pages, submit a new claim or track the progress of an existing claim

Please email us at customersupport@craftinsure.ie or if required use the TELEPHONE HELPLINE +353 (0) 1 282 4633 to advise us about any changes required to your policy and general administration matters.

To report or discuss a claim you can email us at claims@craftinsure.ie or call the TELEPHONE HELPLINE number above.

This product is underwritten by Zurich Insurance Plc (a non-life insurance undertaking).

Zurich Insurance plc is a public limited company incorporated in Ireland.

Companies Registration Office Registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.

Zurich Insurance plc, trading as Navigators and General is authorised and regulated by the Central Bank of Ireland.

Central Bank of Ireland Firm Reference No. C743

This product is administered by Craftinsure Ireland Ltd.

Craftinsure Ireland Ltd (an insurance intermediary) is a private limited company incorporated in Ireland.