When something goes wrong, knowing what to do next can make the claims process much easier and less daunting. Whether your boat has been damaged, equipment has been lost or stolen, or you have been involved in an incident on the water, our dedicated claims team is here to support you.
As part of the McClarrons group, Soak Insure has access to a dedicated team of claims specialists who can liaise with insurers, loss adjusters and other parties where necessary, helping to progress your claim and keep you informed along the way.
What happens when you make a claim?
Tell us what has happened
Contact us as soon as possible after an incident and provide details of what happened, when it happened and where appropriate, where the incident took place.
Provide the relevant information
We may need photographs, details of any third parties involved and any other information and documentation relevant to the claim.
We help move things forward
Our claims specialists can liaise with your insurer and other parties where necessary, helping to progress your claim, whilst keeping you updated through the process.
Your claim is assessed
Your insurer may appoint a loss adjuster or other specialist to assess the circumstances and extent of the loss or damage, depending on the size and circumstances of the claim.
We support you through the process
We can help explain the process, answer questions and support you as your claim progresses. Meet our claims specialists, Chloe and Leah below.
Claims Specialists
Meet the claims professionals who will be there to get you back ship-shape.
Chloe Howarth
Chloe’s customer service experience and excellent organisational skills serve her well within our Claims Team. Chloe works to obtain the most fair and efficient settlement possible for clients by liaising with loss adjusters and third parties, and negotiating with insurers to ensure policyholders obtain a fair outcome.
Leah Palmer
Leah enjoys working on a variety of claims for clients in terms of type and complexity and works hard to ensure clients are kept up to date with the evolution of their progress. With her knowledge within our niche sectors, she is able to confidently serve our clients when it comes to assisting and guiding them through claims.
Marine claims can be complex
Marine claims can involve much more than repairing a damaged boat. From specialist equipment and machinery to salvage, surveyors, loss adjusters and third parties, understanding what is involved can make a real difference.
At Soak Insure, our team has first-hand knowledge and experience of the marine industry, as well as specialist insurance expertise. This helps us to understand the practical realities of life on the water and provide informed guidance throughout the claims process, helping you navigate what can be a complex situation.
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Claims FAQ's
What do we need from you?
To help us understand your claim and progress it efficiently, we may need, amongst other things:
- Photographs of any damage
- Repair estimates or quotations
- Details of any third parties involved
- Details of what happened and the circumstances surrounding the incident
- The date and location of the incident
- Any other relevant documents or information
Providing as much information as possible at the outset can help avoid unnecessary delays.
What should I do after an incident?
Where possible, take photographs and gather relevant information about what has happened; you should contact us as soon as possible so we can explain what you need to do next.
If immediate action is required to prevent further loss or damage, take reasonable steps to mitigate the situation and keep records and receipts for any necessary costs.
What should I not do?
Unless necessary to prevent further loss or damage, you should avoid:
- Authorising or paying for repairs before speaking to us or your insurer
- Admitting liability or accepting responsibility to a third party
- Discarding damaged items or equipment before they have been assessed, where this is practical
- Agreeing to a settlement with another party without discussing it with us first
If you are unsure what to do, contact our team for guidance.
Who will be dealing with the claim?
Our dedicated claims team can support you throughout the process and, where necessary, liaise with your insurer, loss adjusters and other parties on your behalf. The exact process will depend on the nature and circumstances of your claim.
What is my excess?
Your policy excess is the amount you may need to contribute towards an eligible claim. You can find details of your excess on your policy schedule or contact the Soak team if you are unsure.
How long will my claim take?
Every claim is different. The time it takes will depend on the circumstances, the complexity of the loss and whether further information or assessments are required.
We will keep you updated as your claim progresses and let you know if we need anything further from you.