Why you should report an accident - even if you’re not at fault

However experienced you are on the water, accidents can happen, and when they do, it’s crucial to promptly inform your insurance broker or insurer — even if you are not at fault or do not intend to make a claim on your policy.

Here’s why notifying your broker or insurer after any boating accident is essential:

Protecting your insurance policy

Even if you believe you are not at fault, failing to report an accident can jeopardise your insurance. Many marine insurance policies include a requirement to notify your insurer or broker of any incidents, regardless of fault or claim status. If you don’t report an accident, your insurer may later refuse to cover related damages or claims, citing non-disclosure or breach of policy terms.

Ensuring accurate records

Sometimes, damages or injuries related to an accident may not be immediately apparent. By informing your broker, you create an official record of the incident. This documentation can be invaluable if a claim arises later, even months or years down the line. Having a record ensures you are protected if circumstances change.

Facilitating a smooth claims process

If the other party involved in the accident decides to make a claim against you, your insurer needs to be aware of the incident to provide timely assistance. Early notification allows your broker to guide you through the claims process, liaise with other insurers, and help protect your interests.

Legal and regulatory compliance

In the UK, certain boating accidents must be reported to the relevant authorities, such as the Coastguard or the Maritime and Coastguard Agency (MCA). Your insurance broker or insurer can advise you on these legal obligations and ensure you comply with all necessary reporting requirements.

Peace of mind

Accidents can be stressful but knowing you have informed your broker and taken the right steps can provide peace of mind. Your broker is there to support you, offering expert advice and helping you navigate any complexities that arise from the incident.

If you’re unsure about what to do after an accident or need guidance on your insurance policy, don’t hesitate to contact your insurance broker. Being proactive today can save you time, money, and stress tomorrow.

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