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Terms of Business

You can find out more about craftinsure.ie in the About Us section, or return to our homepage here. The tabs at the top of the screen can also be used to navigate around the site to view other sections.

If you would like to speak to us in connection with these Terms of Business please ring our helpline +353 (0) 1 282 4633 or, if out of normal office hours, email help@craftinsure.ie

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 of Business carefully. They form an important part of the contract between Craftinsure and you.

Craftinsure Ireland Ltd
Craftinsure Ireland Ltd is registered in Ireland (registered No. 439758). Registered office: The Black Church, St Mary’s Place, Dublin 7, Ireland DO7 P4AX. Craftinsure Ireland Ltd is a sister company of Craftinsure Ltd.

Craftinsure Ireland Ltd administers this policy on behalf of Zurich Insurance plc, however it does not provide analysis of the market nor does it advise on the insurance product it sells.

Insurer
The insurance is provided by Zurich Insurance plc (a non-life insurance undertaking), incorporated in Ireland. CRO registration No. 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.

Authorisation and Service
Craftinsure Ireland Ltd is regulated by the Central Bank of Ireland. We are registered as an insurance intermediary. Our reference number is C187907 and our details can be found on registers.centralbank.ie.

Statutory Codes

Craftinsure Ireland Ltd is subject to and complies with the Consumer Protection Code 2012, the Minimum Competency Code 2017 and the Fitness and Probity Standards 2014. These codes can be accessed on the Central Bank of Ireland's website at www.centralbank.ie.

Conflicts of Interest

It is the policy of Craftinsure Ireland Ltd to avoid any conflict of interest when providing business services to clients. However, where an unavoidable conflict may arise we will advise you of this in writing before providing any business service. If you have not been advised of any such conflict you may assume that none arise.

Accuracy of information
The information that you provide to us must be true and correct to the best of your knowledge and belief.

In particular you should disclose any facts that would influence an insurer in the assessment and acceptance of the risk. If you are in any doubt about whether certain facts are relevant or not, please email us at help@craftinsure.ie. Failure to disclose material information may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

Boats covered
We only cover privately owned Irish 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

Data Protection laws

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 in accordance with our Privacy Policy. . Under the EU General Data Protection Regulation (EU) 2016/679 and the Data Protection Act 2018, 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.ie 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 +353 (0) 1 282 4633.

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.

Language

Your policy documents and all of our communications with you will be through English.

Cancellation Rights
You can cancel cover at any time within the customer login area at www.craftinsure.ie. 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, provided you have not made a claim during the current period, your card will be credited with a pro rata refund based on equivalent months left to run. Individual monthly premiums are non refundable.

Default

Failure to pay your premium or any instalment in full may result in the cancellation of your insurance contract.

Stamp Duty

Stamp Duty Levy is included in the premium

Remuneration

Craftinsure employees receive no remuneration in respect of your Policy

Craftinsure receives a commission from the insurer, included in the premium

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 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 of Business you authorise 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.ie but this option must be selected before cover commences. Any subsequent alteration to the payment option may incur administration 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 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 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/

The Investor Compensation Company Limited

Craftinsure Limited is a member of the Investor Compensation Scheme established under Section 38 of the Investor Compensation Act 1998. The Act provides that compensation shall be paid to eligible customers if we are unable to make payment of money we owe to them in relation to the provision of our services. Payment from the Scheme is limited to 90% of the money owing or €20,000 (whichever is lower) provided the claim is eligible for compensation.

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.ie 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.ie 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.ie website for any other purpose, nor incorporate or distribute it in any other form or publication.

Revisions

Craftinsure may revise these Terms of Business 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 of Business current at that time, which may differ from these.

These Terms of Business shall be effective from 24.12.2020 and shall remain valid for 12 months.

Data Protection and Your Privacy

The information that you provide us with is governed by the following privacy policies: