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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 and Contractual Misrepresentations
You acknowledge and accept the following:
(a) You have a legal duty prior to entering into the Policy and/or prior to the renewal of the Policy to provide responses to questions asked by CraftInsure and/or the Insurer in relation to the risk(s) to be insured.
(b) a matter about which CraftInsure and/or the Insurer asks a specific question is material to the risk undertaken by the Insurer or the calculation of the premium by the Insurer, or both.
(c) You have a legal duty to answer all questions asked by CraftInsure and/or the Insurer honestly and with reasonable care.
(d) While it is acknowledged that you have no legal duty of voluntary disclosure, you shall ensure that information which is voluntarily provided by you, or on your behalf, is provided honestly and with reasonable care.
Remedies for Pre-Contractual Misrepresentation
(a) For the purposes of this section, the term “negligent misrepresentation” means a representation made without reasonable care but which was not fraudulent Where a claim is made under the Policy but an answer was provided, or information which was volunteered by you prior to commencement or renewal of the Policy (as the case may be) involves a negligent misrepresentation, the remedy available to the Insurer shall reflect what the Insurer would have done had it been aware of the full facts and shall be based on a compensatory and proportionate test, as follows:
| (i) If the Insurer would not have entered into the Policy on any terms, the Insurer may avoid the Policy from inception or renewal (as the case may be) and refuse all claims, but shall return the premium paid; |
| (ii) If the Insurer would have entered into the Policy but on different terms, the Policy is to be treated as if it had been entered into on those different terms if the Insurer so requires; |
| (iii) If the Insurer would have entered into the Policy, but would have charged a higher premium, the Insurer may reduce proportionately the amount to be paid on the relevant claim. |
(b) Where an answer which was provided, or information which was volunteered by you prior to commencement or renewal of the Policy (as the case may be) involves a negligent misrepresentation which is identified at a time prior to there being any claim under the Policy, the Insurer may either:
| (i) Give you notice that in the event of a claim it will exercise the remedies in paragraphs (a) (i)-(iii) above as appropriate; and/or |
| (ii) Terminate the Policy by giving reasonable notice. |
(c) Where a claim is made under the Policy but an answer which was provided, or information which was volunteered by you prior to commencement or renewal of the Policy (as the case may be) involves a fraudulent misrepresentation, or where any conduct by you (relative to the Policy or the steps leading to its formation) involves fraud of any other kind, the Insurer shall be entitled to avoid the Policy from the date of commencement or renewal (as the case may be) without return of premium.
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 us at help@craftinsure.ie
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:
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