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For market-leading boat insurance choose FMG

Getting boat insurance from FMG is a straightforward process, and we've outlined the steps below to make it easy for you.

Firstly, you'll need to provide your personal information, including your full name, address, and contact details. Additionally, we'll require your date of birth and occupation for a comprehensive profile. To ensure effective communication, specify your preferred method of contact, whether it's via email or phone, ensuring we can reach you easily when needed.

Moving on to the next step, we'll gather essential details about your vessel. You'll need to enter information such as the boat's make, model, year, and registration number. If available, provide the boat's full identification number for a more accurate quote.

Additionally, describe the primary use of your boat, whether it's for pleasure or commercial purposes, and how frequently you plan to use it. Let us know the primary navigation area for your boat, whether it's coastal or inland waters, and specify any modifications or additional equipment installed, as these factors can affect your coverage.

Finally, it's crucial to disclose any previous claims or incidents related to your boat. This step ensures transparency in the insurance process. Provide details about the nature of these claims or incidents and how they were resolved. Include the approximate date of each claim or incident, helping us assess the risk associated with your boat accurately. By following these steps, you'll be well on your way to securing the right insurance coverage for your vessel with FMG.

Coverage selection:

1. Understand the available coverage options, including liability, full, and additional add-ons.
2. Determine the desired coverage limits for each coverage option.
3. Select the coverage options that best suit your needs.
4. Review and confirm your chosen coverage selections.

Operator information is a crucial aspect of the boat insurance application. Begin by identifying the primary operator of the boat. Provide comprehensive details about the operator's boating experience and qualifications, which helps in assessing their ability to navigate the vessel safely. Additionally, don't forget to specify if there have been any previous claims or incidents involving the operator, as this information is vital for risk evaluation.

The next step involves supporting documentation. Attach any necessary documents, such as boat registration or proof of ownership, to validate the information provided. If requested, include photographs of the boat's interior and exterior to aid in the assessment process.

Lastly, before finalising your application, it's essential to review and submit it accurately. Carefully review the completed form to ensure all details are accurate and complete. Make any necessary edits or additions to update the information. Double-check that all required fields have been filled in. Once you are satisfied with the accuracy and completeness of your application, submit it electronically or as instructed by FMG to initiate the insurance process smoothly.

Application review and underwriting:

1. Allow FMG insurance time to review your application.
2. Be prepared to provide additional information if requested by the underwriting team.
3. Cooperate with any investigations or inspections deemed necessary by the insurance provider.

Policy offer and acceptance:

1. Upon review, they’ll provide you with a boat insurance quote.
2. Carefully review the terms, conditions, and coverage details outlined in the offer.
3. Accept the policy offer if the terms are acceptable to you.
4. Follow any provided instructions for payment of the insurance premium.

Confirmation and documentation:

After making your payment, you will promptly receive confirmation of your coverage along with the necessary policy documentation. It's essential to take the time to thoroughly review these policy documents and keep them securely stored for future reference.

You must take the time to ensure you have a clear understanding of the coverage, exclusions, and any limitations mentioned in the policy. This will enable you to make informed decisions and have peace of mind knowing the extent of your insurance protection.

Policy commencement and renewal:

1. Note the policy commencement date, which marks the start of your coverage.
2. Set up reminders to renew your policy before the expiration date.
3. Familiarise yourself with the renewal process and any required actions.

Claims process and assistance:

To ensure a smooth claims process, it's essential to take a few key steps. First, familiarise yourself with the insurance company's claims reporting procedures, as this will guide you on what to do in the event of a claim.

Second, be diligent about keeping all relevant documentation and information needed to file a claim, as organised records will expedite the process.

Lastly, in the event of a claim or if you require any claims-related assistance, contact their claims department promptly. This proactive approach will help you navigate the claims process effectively and receive the support you need.

Remember to thoroughly read the policy wording document provided by FMG for complete details on coverage, terms, and conditions.