Guides
The insurance decision
If an application contains an incorrect year, value, berth or use, correct it promptly with the insurer or broker. Explain the accurate fact and how the error arose without guessing about its effect. Keep a copy of both the original submission and correction.
What to clarify before relying on cover
Ask whether the correction changes the terms or requires a revised schedule. If a loss has already happened, make that timing clear rather than presenting the correction as if made earlier. Seek appropriate advice if the insurer raises a dispute about the information.
Practical preparation
Use a dated correction stating the original entry, correct fact and supporting evidence. Avoid vague wording such as please update my details when several facts are involved. Ask for confirmation that the specific correction has been recorded and keep any resulting terms with the original proposal history.
- Original answer and correct fact
- Date the error was discovered
- Insurer response and amended documents
Worked example
An owner discovers that an old quote form carried forward the previous marina. The owner supplies the actual location and dates and requests written confirmation of the corrected position.
Put the decision in context
Keep a dated document trail rather than only the newest PDF. Save the request, supporting facts, response and any replacement schedule together. When several versions exist, identify which is current and which has been superseded. A certificate, payment receipt or short email may answer only part of the question. Ask for an explanation tied to the specific policy and circumstances, and check any revised documents for unintended changes to other details.
Continue with Yacht Policy and Paperwork Guides for related decisions, or use the yacht insurance guide library to find another topic.
Prepare a clear insurance enquiry
Record the facts you can support, the evidence still missing and the precise decision you need. Keep the response beside the relevant policy document.
Frequently asked questions
Should I silently replace the old proposal file?
No. Preserve the record and communicate the correction clearly. A revised local file alone does not notify the insurer or establish amended terms.
What should a written policy clarification identify?
Include the vessel, policy reference, relevant dates, precise question and facts supplied. Keep the complete response and any required endorsement so the answer is not separated from its assumptions.
Sources and limits
The official links below provide policy or manufacturer context. The preparation notes and scenarios are editorial guidance, not quotations from those sources. No model specification establishes insurance cover; check the documents applying to your own circumstances.
Related guides
- Yacht Policy and Paperwork Guides
- Product Disclosure Statement Guide for Boat Insurance
- Yacht Insurance Renewal: Record Changes to Your Boat
- Boat Insurance Policy Comparison Worksheet