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Frequently asked questions

Question

What are material facts?

Answer

A material fact is every circumstance, which would influence the judgement of an underwriter or insurer in fixing the premium or determining whether he will take the risk. If you are unsure if a fact is material, you should still disclose it. Any change in facts previously notified could be material and must, therefore, be notified. Failure to disclose material facts could result in your insurers voiding the Policy and all claims made under it.

• How can I pay for my boat insurance?
• How do I know it is safe for me to use my personal, credit and debit card details on the internet?
• If I take out cover, will I receive any documentation in the post?
• If I lend my vessel to a friend, will they be covered under the policy?
• If I change the vessels mooring location, do I need to advise you?
• I am not intending to use my boat next season, what should I do about insurance?
• What are material facts?