This price is accurate for coverage on your watercraft and your trailer. It takes into account your postcode and is based on provision of watercraft liability and waterski liability.
At RJP Marine we believe it is important that our customers always have peace of mind and know with confidence that the insurance products they are buying are suitable for their needs and that the service they will receive from us is always professional. Our Consumer Charter aims to ensure that our customers will always be treated fairly.
In order to make a claim, please select from one of the following four options
Firstly we hope everyone involved is OK and no injuries were sustained. However bad it is to have your craft damaged, GRP repairs easier than flesh and bone!
Ideally, where there is any dispute over what happened you need to have independent witnesses. Gather names and addresses and generally as much information as you can about the site, the lake, it’s rules etc.
First things first, you should make sure you don’t make the situation worse by neglecting to do your usual (manufacturers recommended) maintenance routine. This is especially important if your craft has taken water into the engine – flush it out as normal. Remember insurers are only obliged to pay for damage caused by the accident.
If your craft is damaged we need to see a repair estimate ideally from a specialist repairer. Ask us for details of a repairer that can do the work. The repairer will prepare an estimate once they have your craft and e-mail it over to us. In most cases we can authorise repairs without the need for inspections by engineers which can prolong the time off the water. If you can get your craft to a repairer we know they will get the ball rolling pretty quickly.
We will need a report of the accident. Please CLICK HERE to download a report form (.pdf format) and complete as much detail as possible. Send this to us with any additional information, as quickly as you can by post, such as maps, plans, rules of the lake etc. Photographs of your damaged craft are very useful as well as the location. Email everything over to us and we will make contact with you to inform you of how we will proceed.
Theft or Malicious Damage to your property is a most traumatic and annoying event. We will do our best to make the claim process as smooth and quick as we can. This type of claim does though need to be thoroughly investigated and the involvement of the Police, the need to gather information and take statements inevitably means that it is unlikely that settlement will be reached more quickly than four weeks. We do though promise to deal with the claim within 6 weeks or should circumstances be such that this is not possible tell you why and give you details of the appropriate and anticipated timescale.
CLICK HERE to download a Theft / Malicious Damage report form. Please complete this as fully as possible and let us have it as quickly as you can. As soon as we have the completed form we will appoint an investigator who will make contact with you to arrange a meeting/interview.
Fire Damage to a Personal Watercraft can often mean a serious claim. Our procedure very much depends on the extent of the fire.
Please therefore CLICK HERE to download a report form, complete it and let us have it with as much information as possible. Photographs of your damaged craft and the surrounding area would be helpful.
We will make contact with you on the next working day after reporting.
If you caused damage or injury to something or someone then it is very important to gather and tell us as much detail as possible about the incident and the sooner the better.
It is particularly important if you believe you were not at fault to obtain the names and addresses of anyone who witnessed the incident and will support your view. Ideally witnesses should be independent but any witness is better than none.
An incident like this may be traumatic for everyone involved. Try to stay calm and matter of fact. Do not admit fault or argue unnecessarily.
CLICK HERE to download a report form and get this over to us as quickly as possible. Please telephone with brief details if there is going to be any delay in getting the form to us especially where there is any possibility of injuries.
The insurance market for personal watercraft is very small, and therefore, if you are unfortunate enough to be involved in an incident with another craft, there is a possibility that the other person involved may also be insured with RJP Marine. This is something we have become familiar with during our 20 years of trading, and have always managed any possible conflict of interest in a professional manner. Should this situation arise, we will inform you, immediately we are aware, that the other person is insured with us. To ensure that both customers are treated fairly we will operate the following procedure:
RJP MARINE INSURANCE SERVICES
RJP Marine Insurance Services is a Trading Name of Johnstone Insurance Brokers Ltd. (Company Registration number 05683941) Johnstone Insurance Brokers Ltd are Insurance Brokers dealing with all forms of General Insurance. R J P Marine specifically deals with Personal Watercraft, Jet-ski and Pleasure Craft Insurance.
Johnstone Insurance Brokers Ltd are authorised and regulated by the Financial Services Authority – Registration number 452604. You can check our registration on the FSA website at the following link http://www.fsa.gov.uk/register/home.do. RJP Marine Insurance Services manage the R J P Marine Personal Watercraft Scheme which is issued under a binding authority agreement issued to RJP Marine Insurance Services by Markel International Insurance Co Ltd who are authorised and regulated by the Financial Services Authority.
This leaflet outlines RJP Marine Insurance Services Status Disclosure and Terms of Business. RJP Marine Insurance Services is a trading name of Johnstone Insurance Brokers Ltd. Unless you advise us to the contrary, we will assume you wish to be bound by the terms of this agreement.
The FCA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you. Johnstone Insurance Brokers Ltd T/A RJP Marine Insurance Services, at the above address is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 452604. Our permitted business is arranging general insurance contracts. You can check this on the FCA Register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0845 6069966.
We only offer products from a limited number of insurers for Boat insurance. Please ask us for a list of insurers we offer insurance from.
We only offer a single product underwritten by one insurer for Personal Watercraft.
We will advise and make a recommendation for you after we have assessed your needs and we will provide you with a suitability statement, verbally if you request it or require immediate cover, and in writing immediately after the conclusion of your contract.
The following charges will be made for your insurance: -
All return premiums will be refunded net of our commission
Information requests under the Data Protection Act £15.00
Please note that on cancellation of a policy your insurer may not allow a proportionate refund.
These charges will be in addition to any charges made by your insurers. Should it be necessary for other charges to be made by us these will be notified to you in advance.
We do not guarantee the solvency of any insurer we place business with. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.
You have a duty to take reasonable care not to make a misrepresentation of any material fact. A material fact is one which may influence an insurer’s decision to accept the risk, or may affect the terms or conditions they wish to impose and it may be favourable or not. If in doubt about any information, you should disclose this to us to see whether it would be classed as material. You should be aware that insurers are entitled not to pay a claim, cancel or treat your policy as if it never existed if you have not answered all the questions honestly and to the best of your knowledge. Any changes to your information must be disclosed at the earliest opportunity and at each renewal.
Your premium is due for payment as soon as cover has been arranged for you. If you have chosen to pay by our instalment scheme, this is paid through your bank by means of a Finance Agreement arranged through Premium Credit. The interest charged is 7.5% (APR 28.6%). In the case of renewals, your premium is due for payment on or before the renewal date. If you fail to pay the premium, or fail to notify us that you wish to continue with your Finance Agreement, by the renewal date, then your policy will automatically be cancelled from that date. In accordance with our standard practice, your premiums may be passed to a secondary firm and they may use this to pay other clients premiums to insurers’, as may their premiums be used to pay yours. Where permitted we will hold your money as agent of the insurer. If you would like to know whether your premium is held in this way, then please ask us.
We do not pay interest to retail customers when the amount is under £20.00.
We are registered under the Data Protection Act 1998 and we undertake to comply with the Act in all our dealings with your personal data. Your personal information will be kept secure. We may from time to time send you information about our services. You should inform us if you do not wish to receive this information from us. You have the right to ask for a copy of the information we hold about you. All requests must be received in writing to the above address, for the attention of the Training and Compliance Officer. You must supply as much information as possible regarding the information you wish to see, including dates and times of any events. There is a fee for this service of £10.00, payable in advance, and the information will be sent to you within 40 calendar days from receiving your payment. You have a right to have any inaccuracies in your data corrected and you should advise the Training and Compliance Officer accordingly.
If, in the unlikely event of you not receiving the information regarding your policy, prior to you making a decision to buy it, you have a 14-day period, commencing from when you do receive your documentation, in which to cancel your cover (providing your policy is not less than one month in duration, or a commercial policy). You must return all documentation within 30 days if you wish to use this cancellation clause, and your request must be in writing and dated. Your insurers will make a charge for the period you have been on cover, and we will charge a £10.00 administration fee in addition to any other charges. If you do not use this cancellation clause, your insurers will keep your premiums and you will be insured.
We wish to ensure that any claim is dealt with promptly and efficiently. In the event of any incident occurring, which may give rise to a claim, whether it is for your own material damage, or for Third Party damage or injury, it should be reported to us immediately. You should contact our office during business hours at the earliest opportunity. Failure to report a claim immediately may result in all or part of a claim not being paid. You should be aware that in respect of personal watercraft insurance claims we act for the insurer as their agent.
Johnstone insurance guarantees the service detailed in the Consumer Charter. We aim to provide you with a high level of service at all times, If we fail, you may register a complaint by writing to us, marked Private and Confidential, for the Managing Director at the address at the top of this page.
Alternatively you may telephone and register your complaint verbally by speaking to the Managing Director on 01724 855510.
We will acknowledge your complaint promptly, explain how we will handle it, and keep you informed of the progress of your complaint. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
TOBA MFRC 03/16
To consider your request for insurance cover or administer subsequent dealings in respect of your insurance we must process your personal data and where appropriate your ‘sensitive’ personal data and in doing this we will comply with the provisions of the Data Protection Act 1998.
In order to provide and maintain your insurance cover, we need to pass your information to:
Unless required by Law, the Financial Services Authority or as necessary to effect or administer your insurance none of your personal data (even if not ‘sensitive’) will be disclosed without your consent to any person or organisation, or used for any other purpose.
We have entered into contract terms with all of the companies to whom we pass your data, requiring them to comply with the provisions of the Data Protection Act 1998. The Data Controller is Johnstone Insurance Brokers Ltd
While RJP Marine has taken all reasonable steps to ensure the information you provide will be kept secure, the internet is not a secure environment , so we cannot provide an absolute guarantee that the information is secure during transmission or in storage.
If you enter and use this website, you will be agreeing that English Law and the jurisdiction of the English courts will govern any disputes between RJP Marine and yourself.
RJP Marine make no representations about the contents of this website, or of any site linked to it, and you should not rely on them for any decisions you make. We are not liable for the consequences of any decisions you make having read this website.
The information contained on this site is not intended to and does not constitute an offer by RJP Marine to sell , or a solicitation of any offer to buy, any product or service. Any insurance products or services mentioned on this site are subject to the legal and regulatory requirements applicable in the jurisdiction in which the risks and/or (potential) assured are located. Therefore, insurance products or services mentioned on this site may not be available in all jurisdictions. The information and descriptions on this site are provided for general information purposes and are subject to terms and conditions contained in any such insurance product. If you enter and use this site, you will be agreeing to the above conditions. If you do not agree to these conditions you should not proceed with any quotation or cover request.
At the heart of RJP Marine is our Consumer Charter, which we strive to achieve at all times to ensure that our customers are always treated fairly. You may view this Charter from the home page on our website. Where you feel we have failed to meet this Charter, then we would ask you to discuss this with our Marine Manager, so that we can put things right immediately. On the rare occasion that you may find we have not met this Charter to your satisfaction you may find it necessary to submit a formal complaint to us using our formal Complaints Procedure below.
We hope that we always provide you with a high level service, however, if we do not then we would ask you to please let us know. We define a complaint as:
Any expression of dissatisfaction from or on behalf of a customer, whether oral or written, and whether justified or not.
All complaints whether they are oral or written will be recorded in a Complaints Log. If your complaint is not resolved immediately, this will be passed to Managing Director for handling. If the complaint made is about the Managing Director, this will be handled by another Director , or other staff member. It is the firm’s policy to treat all complaints, whether regulated or not, according to this Complaints ProcedureAny unresolved complaint will be acknowledged within five business days, with a copy of the Complaints Procedure. We will then advise you of the outcome of our investigations within four weeks. If we are unable to resolve your claim, we will advise you of the current position, and will attempt to resolve it by the end of a further period of four weeks. If we are unable to settle your complaint at this time, we will advise you of how you may proceed with your complaint further.
The Managing Director will investigate all complaints and may, where considered necessary, consult the adviser/member of staff whose possible actions or possible omissions gave rise to the complaint. The investigation will include a review of your file, and may where necessary involve contact with third parties such as product providers to obtain information or we may also contact you for further information.
Immediately on completion of the investigation the Managing Director or appropriate member of staff will write to you notifying you of the outcome, the nature and terms of any settlement, and will advise that if you are not satisfied with the outcome that you may refer the matter to the Financial Ombudsman Service.
If your complaint is upheld, details of any compensation which may be offered will be fair, and the basis of calculation will be explained to you.
If the investigation is not concluded within four weeks, we will write to you informing him that the investigation is continuing and the reasons for the delay and when we expect to be able to contact you again.
If the investigation is not concluded within eight weeks, the Managing Director will write to you informing you of the reasons for the further delay. If you are not satisfied with progress you may refer the complaint to the Financial Ombudsman Service. You must do this within the next six months or you may lose the right.
Financial Services Ombudsman (FOS)
You may contact the FOS at:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
TEL: 0845 080 1800
A leaflet about the Ombudsman's arrangements will be forwarded to you with our letter after the eight week period.
When we receive confirmation from you that you are satisfied with the findings of the investigation and any resolution, the complaint will be considered closed by the Managing Director. Where no confirmation has been received from you, the complainant, within eight weeks of our most recent letter, the complaint may also be considered closed.
RJP Marine Insurance Services
1-7 Dunstall Street
Scunthorpe, N. Lincs.
Telephone: 01724 855510