Frequently Asked Questions
To go directly to a particular section of this FAQ page please select from the categories below.
GENERAL QUESTIONS
Can I insure any type of craft through the website?
At the moment, instant on-line Quote's and cover can be provided on-line, 24 hours a day 7 days
a week, for most classes of
Dinghy,
Small Yachts,
Speedboats,
Cabin Cruiser,
Canoe and
Windsurfing equipment to individuals (i.e. not companies) based
in the United Kingdom, excluding Northern Ireland, the Isle of Man
and the Channel Islands.
We can cover most other craft via our online quotation forms, so
if you complete a quotation form on the website we can still arrange
insurance via email or the phone.
My vessel is based outside of the United Kingdom. Can I still insure it through the website?
For
Dinghy,
Small Yachts,
Speedboats,
Cabin Cruiser,
Canoe and
Windsurfing equipment
we currently only insure craft based in the
United Kingdom (excluding Northern Ireland, the Isle of Man and
the Channel Islands) so we are unable to provide on-line cover for your craft at the
present time.
We can cover craft outside the UK via our online quote forms. Please
click on the 'Free Quotation' button on the top of the page and follow the
instructions to complete a quotation form. Alternatively you can
call free on 0800 018 0012 for a quotation.
Can I insure my Jet Ski with St Margarets?
We do not insure Jet Skis, Wet Bikes, Surf Jets or other personal water craft.
SPEED BOAT
I built my speedboat myself. Can I insure it with St Margarets?
We can only insure professionally built speedboats,
constructed of GRP, up to 20 years of age and under 23 feet in length
online.
However, we may be able to cover older or more unusual speedboats
within our office.
Please click on the free quotation button on
the top of this page and follow the instructions to complete a quotation
form. Alternatively you can call free on 0800 018 0012 for a quotation.
SMALL YACHT
I built my small yacht myself. Can I insure it with St Margarets?
We can only insure professionally built small yachts up to 20 years of age and under 23 feet in length online. However, we may be able to cover older yachts within our office. Please click on the free quotation button on the home page and follow the instructions to complete a quotation form. Alternatively you can call free on 0800 018 0012 for a quotation.
QUOTES
How long will it take me to insure my craft?
If you have a craft that can be insured online, on average, we think it will take one minute to get a quote and a further two minutes to validate and pay for it. Once your credit/debit card has been authorised the transaction is complete and your craft is protected by a St Margarets policy.
My current insurance doesn't expire until next month. Can I still buy insurance now to take advantage of the current rates?
Yes! Simply enter the date you want the insurance to start in the correct box when you are asked to do so. Please note we cannot accept insurance that starts before today's date.
What does 'Save for Later' mean?
We understand that many people shop around when looking to purchase insurance so that they can get the quote and coverage that best suits their circumstances. We are confident that you will find St Margarets to be highly competitive so to make it easy to complete a quotation you only need to remember a reference number and your email address. When you come back to the site go to the 'quote' option on the main menu and then select the 'quote logon' button.
I want to insure my outboard engine but don't know its 'Engine Number'.
You can still obtain a quote from us without this information but we are unable to complete the transaction until you supply these details. Once you have seen the quote, and you are happy with it, please click the 'save for later' button. This will allow you to complete the transaction at a later date without the need to re-key all your information.
What is acceptable as my boat ID?
We will accept either your sail number or the boat identification number which can usually be found on a plate in the stern of most craft.
I can't find my dinghy on the list of dinghies on the quotation page.
Unfortunately this means that at this time we are unable to quote online. However, please feel free to contact us at stmargarets@amlin.co.uk and we will endeavour to tailor a policy to suit your requirements.
Why should I buy legal expenses insurance?
Whilst St Margarets accepts responsibility for payment of any legal costs that it has authorised in writing prior to incurring the cost, there are some cases when losses fall outside of your basic St Margarets insurance. These uninsured losses could include claims made against you due to a navigational error, or perhaps even deaths caused to members of your crew. The legal expenses insurance offered gives you access to a free 24 hour helpline, and up to £100,000 of cover. The cost of legal expenses insurance is £8 plus IPT per year.
SECURITY
Will my credit/debit card details be secure?
St Margarets site is powered by the DataCash
payment system, which means that your card details are processed
in real-time and are fully encrypted.
Working with DataCash we can offer one of the most sophisticated
and secure e-payment systems currently available. Your payment details
are passed to the banking network via DataCash’s Payment Gateway
secure site, which is designed to be highly available, even in times
of high demand. Contact us if you would like any further information
about secure payments, or visit the DataCash website for further
information (www.datacash.com).
PREMIUMS
Can I insure more than one craft?
If you are an online policyholder and wish to insure additional craft online in your name, you will be happy to know that we give you a £5 discount on each additional premium! Simply login, using the policyholder login , click on the 'discounted quote' link and follow the simple instructions.
How do I cancel a policy?
To cancel your ‘online’ policy online you will need your policy number and your email address or postcode.
Access the St Margarets website and click on the ‘Existing Clients’ link on the menu line.
This will then offer two options, click on the box headed ‘If your policy number format is etc’
and then enter your policy number and e-mail address or postcode and follow the instructions.
To cancel a policy that was not purchased online please call our freephone number 0800 018 0012 and we will arrange this for you.
CLAIMS
How do I make a claim?
To make a claim online you will need your policy number and your e-mail address or postcode.
Access the St Margarets website and click on the ‘Existing Clients’ link on the menu bar.
This will then offer two options, click on the box headed ‘If your policy number format is etc’ and then enter
your policy number and e-mail address or postcode and follow the instructions. Your claim will be with the claims department the moment that you press the submit button.
For policies that were not purchased online please click on the ‘Claims’ tab shown on the menu bar, click within the 'All other policy formats' box and complete the
appropriate document either online or download a copy of the claim form and forward it completed in the post.
How do I make a claim if I can't get access to a computer?
In some cases we appreciate that it may not be possible to get access to an internet connection. In these cases please call 0800 018 0012. We will then send you out a claim form to complete manually, and advise you on any steps you may need to take to mitigate your loss. Please note that this phone line is not available outside of normal working hours.
POLICY HOLDER FEATURES
I have forgotten my policy number. How do I log onto the policyholder menu?
If you have forgotten your policy number, please contact us at stmargarets@amlin.co.uk or telephone 0800 018 0012.
How do I amend my address and contact details?
If you have purchased a policy online, click on the 'Existing Clients'
link on the menu bar and then click on 'If your policy number format is etc'.
Then log in via the policyholder login, click 'policy details', then the 'amendments'
link and follow the instructions. Please note that you are only
able to amend your contact address, contact details and telephone numbers.
For policies bought via our office, or changes other than address,
contact details or phone number, please fill out the applicable
form on the Existing Customers page of the site. Alternatively you
can call 0800 018 0012 and speak to one of our customer service
advisers.
Can I obtain additional copies of my certificate of insurance?
If you have purchased a policy online, click on the 'Existing Clients' link on
the menu bar and then click on 'If your policy number format is etc' and simply
login, via policy management, use the policyholder login, click on
the 'policy documents' and then the 'certificate of insurance' link.
For policies bought via our office, please call 0800 018 0012 or
email stmargarets@amlin.co.uk to request a copy.
What is Acrobat Reader?
Your Certificate of Insurance is held in PDF format. This means that regardless of the type of word processing package you may have on your PC you will be able to view your policyholder documents. To view the documents you need to have Adobe Acrobat installed on your PC. If you do not have it, it is available free by clicking here.
Do I need to print off my full Insurance wording and Summary of Cover (Key Facts)?
We encourage you to print off your full Insurance wording and the summary, however, you will always have on line access. Click on the 'Existing Clients' link on the menu bar and then click on 'If your policy number format is etc' and simply login, via policy management, use the policyholder login, click on the 'policy details' link, click in the 'policy documents' link and then click in 'insurance wording' or 'Summary of Cover'.
I have several dinghies and would like to get quotes on all of them.
Getting a quote for your dinghy is quick and easy and should take about 1 minute. If you have more than one dinghy that you wish to insure with us you are in luck because we offer a £5 discount for each additional dinghy! We suggest you run through the quote process first of all to check out our prices, "save for later" just one of the quotes and print out the rest. Remember that these additional quotes don't yet include the discount. Then, purchase one of the policies. Once you have done this you can use the policy holder login via policy management to re-quote your additional dinghies and benefit from the discount.
COMPLAINTS
What is the complaints procedure?
While we at St Margarets aim to provide a high quality service, there are times when things go wrong and when that happens you have the opportunity to make a complaint. (Please note for complaints relating to Marine Legal cover please refer to the Wording.)
Complaints in the first instance should be directed
to the following, quoting the Certificate Number shown at the top
of the Certificate of Insurance.
General Manager
St Margarets
11 Tower View
Kings Hill
West Malling
Kent
ME19 4UY
United Kingdom
Telephone 0800 018 0012
Fax
01732 223821
email
admin@stmargarets.com
In the event that you are dissatisfied with our handling of your complaint you can at any time refer the matter to the Complaints Department at Lloyd’s.
The Complaints Department
Lloyd’s
One Lime Street
London
EC3M 7HA
Telephone 020 7327 5693
Fax 020 7327 5225
email Complaints@Lloyds.com
Complaints that cannot be resolved by the Complaints Department maybe referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process
TECHNICAL QUESTIONS
My Documents appear BLANK online.?
If you experience a blank document or Internet Explorer error when clicking on any document links please carry out the following procedure on your pc.
Please note this will not harm your pc, it is an Internet setting that may need to be changed on some systems to access some policy documentation.
Click on Tools in your toolbar
Go to Internet Options
Click on the Advanced Tab on top right
Within this list scroll down until you get to "Security"
Within Security please tick “Do not Save Encrypted Pages to Disc”
Now click on OK/Apply and come out of the commands.
Now go back to the linked document and re-click. This should now have resolved the problems