Clasford Lodge, Clasford Farm,
Aldershot Road,
Guildford, Surrey GU3 3HQ
Call from UK 01483 237827
or fax 01483 234856
Call from abroad +44 1483 237827
or fax +44 1483 234856
Terms of business
Authorised & Regulated by the
Financial Services Authority.
Westfield Sub Aqua & Marine
Insurance Services Ltd
is registered as a limited company
in England No. 450587.
Registered Office: Clasford Lodge,
Clasford Farm, Aldershot Road,
Guildford, Surrey GU3 3HQ
Subject to policy terms and conditions
1) THEFT COVER / INCLUDING FROM LOCKED MOTOR VEHICLES
(By forcible or violent entry to a locked building / house, garage, boat cabin or locker, hotel/bed & breakfast room, or from an enclosed locked boot of a locked motor vehicle or locked panel van where the equipment is out of sight). This cover is provided 24hrs a day!!
2) ACCIDENTAL DAMAGE / INCLUDING WHILST IN USE
3) ACCIDENTAL LOSS / INCLUDING WHILST IN USE
4) EMERGENCY JETTISON / WHILST IN USE
5) TRANSIT COVER / INCLUDING BY AIR & OUT OF THE CONTROL OF THE INSURED PERSON
6) HIRE OF DIVE EQUIPMENT / UP TO £200.00 (WITH NO EXCESS)
(For the cost of hiring dive equipment if as a result of a covered loss under this insurance, you have to hire replacement diving equipment in order to attend a dive training course or dive holiday that was pre booked and pre paid prior to the loss occurring).
7) WORLD WIDE COVER / UP TO 90 DAYS IN ANY ONE YEAR OF INSURANCE
CAMERAS INSURED AS ABOVE
The above includes underwater photographic equipment for loss by any of the above sections of cover, in so much that the insured has declared and insured herewith all sport diving equipment owned by the insured. The cover excludes electrical and mechanical derangement unless caused by sudden or unforeseen impact. All inherent and manufacture and faulty housing seal incidents will not be covered.
| From £1,500.00 to £2,999.99 | £4.00 per £100.00 sum insured |
| From £3,000,00 to £5,499.99 | £3.80 per £100.00 sum insured |
| From £5,500.00 to £15,000.00 | £3.50 per £100.00 sum insured |
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Minimum sum insured £600.00 Maximum sum insured £15,000.00 | |
POLICY EXCESS
£25 FOR ACCIDENTAL LOSS/DAMAGE & JETTISON CLAIMS
£50.00 FOR THEFT CLAIMS
£150.00 FOR REBREATHER CLAIMS
THIS IS A SUMMARY OF COVER, FULL POLICY WORDING IS AVAILABLE ON REQUEST
| CLICK FOR CLUB/BRANCH EQUIPMENT PROPOSAL FORM |
Sports Divers Equipment Insurance Summary
The following summary does not contain the full terms and conditions of the contract, which can be found in the Insurance Certificate. The summary does not form part of your contract of insurance.
About your Insurance...
This Insurance is underwritten by the Association of Underwriters known as Lloyd's, led by Syndicate 5000.
The following is a summary of the main benefits applicable to each Insured Person, the Insurance Certificate/Schedule will show the actual cover provided: -
1) THEFT COVER / INCLUDING FROM LOCKED MOTOR VEHICLES
(By forcible or violent entry to a locked building / house, garage, boat cabin or locker, hotel/bed & breakfast room, or
from a locked boot of a locked motor vehicle or locked panel van where the equipment is out of sight). This
cover is provided 24hrs a day!!
2) ACCIDENTAL DAMAGE / INCLUDING WHILST IN USE
3) ACCIDENTAL LOSS / INCLUDING WHILST IN USE
4) EMERGENCY JETTISON / WHILST IN USE
5) LOSS OR DAMAGE OF EQUIPMENT IN TRANSIT / INCLUDING COVER WHILST NOT IN THE CUSTODY OF THE INSURED PERSON
6) HIRE OF DIVE EQUIPMENT / UP TO £200.00 (WITH NO EXCESS)
(For the cost of hiring dive equipment if as a result of a covered loss under this insurance, you have to hire replacement
diving equipment in order to attend a dive training course or dive holiday that was pre booked and pre paid prior to the
loss occurring).
7) WORLD WIDE COVER / UP TO 90 DAYS IN ANY ONE YEAR OF INSURANCE
8) PERSONAL ACCIDENT COVER / WHILST SPORT DIVING, SUM INSURED £5000 ( Not operative for Dive Clubs/ Associations)
(i.e. Disablement or death of the insured person as a direct result of a sport diving incident).
CAMERAS INSURED AS ABOVE
The above includes underwater photographic equipment for loss by any of the above sections of cover, in so much that the insured has declared and insured herewith all sport diving equipment owned by the insured. the cover excludes electrical and mechanical derangement unless caused by sudden or unforeseen impact. All inherent and manufacture and faulty housing seal incidents will not be covered.
POLICY EXCESS:
£25 FOR ACCIDENTAL LOSS/DAMAGE & JETTISON CLAIMS
£50.00 FOR THEFT CLAIMS
£150.00 FOR REBREATHER CLAIMS
The Period of Insurance, during which all benefits are operative, will be shown in the Insurance Schedule provided to you when you arrange the cover. The policy is issued for a period of 12 months.
Cancellation...
The Insurance Certificate is cancelable within 14 days if you feel the Insurance does not meet your needs. A full refund will be allowed if the Insurance Certificate and Schedule are returned Westfield Sub Aqua & Marine Insurance Services Ltd within 14 days, provided no claims and no trips have commenced.
Claims...
If you believe that you have a claim under the Insurance Certificate, you should notify:
Claims Administrators
Westfield Sub Aqua & Marine Insurance Services Ltd
Clasford Lodge, Clasford Farm, Aldershot Road,
Guildford, Surrey GU3 3HQ
When you notify a claim you will need the Certificate Number shown in the Insurance Schedule.
Compensation...
Lloyd's insurers are covered by the Financial Services Authority's Compensation Scheme.
You may be entitled to compensation from the Scheme if a Lloyd's insurer is unable to meet its obligations to you under this contract.
If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the Scheme is available from:
Financial Services Compensation Scheme
7th floor Lloyd's Chambers
Portsoken Street
London E1 8BN
Website: www.fscs.org.uk
Complaints...
Any complaint should be addressed in the first instance to:
Compliance OfficerIf you are not satisfied with the way that a complaint has been dealt with please contact:
Westfield Sub Aqua & Marine Insurance Services Ltd
Clasford Lodge, Clasford Farm, Aldershot Road,
Guildford, Surrey GU3 3HQ
Compliance OfficerIn the event that you remain dissatisfied and wish to take the matter further you can do so at any time by referring to the Complaints Department at Lloyd's. The contact details are:
Ark Syndicate Management Ltd
St Helen's, 1 Undershaft
London, EC3A 8JT
Complaints DepartmentComplaints that cannot be resolved by the Complaints Department at Lloyd's may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process.
Lloyd's
One Lime Street
London EC3M 7HA
Tel: 020 7327 5693 Fax: 020 7327 5225
E-mail: Complaints@Lloyds.com
This complaint procedure is without prejudice to your right to take legal proceedings.
Main Exclusions (This is not an exhaustive list. A copy of the full contract of insurance may be seen upon application to Westfield Sub Aqua & Marine Insurance Services Ltd)
* Any claim for Theft of the diving equipment that was not caused by forcible &/or Violent or threat thereof.
* Any claim for theft whilst the diving equipment was left unattended unless in a locked building, house, garage, boat cabin or locker, hotel room, boot of a car or panel van where the equipment is out of sight.
* Any claim arising from mechanical or electrical breakdown or derangement.
* Any claim for 'Theft' or 'Accidental Loss' or 'Emergency Jettison' that has not been reported to the police within 7 days and written statement obtained.
* Any claim for flooding of underwater camera equipment unless in conjunction with accidental damage.
* Any claim for loss or damage whilst in the custody of a carrier, unless reported to the carrier within 24 hours and a report obtained.
* The Underwriters shall not be liable for any claim if the Sub Aqua activities giving rise to any claim hereunder are not being carried out at the time of the incident strictly in accordance with BSAC/PADI/SSAC/SAA/CFT/TDI regulations and for private, pleasure and amateur purposes only.
* The Insured Person must report any claim within 60 days of the incident.
* Territorial limits are the United Kingdom, Channel Islands, Northern Ireland but extended to include up to a maximum of 90 days outside this territorial limit during the Period of Insurance.
* Any Claim due to wear and tear.
* Property already insured elsewhere.
* Property confiscated by Customs.
* Consequential loss of any kind.
All the above is subject to policy terms and conditions which are available upon request.