History: Celebrating our 52nd year in 2010 as Britain's finest boat insurers, confirmed by over 93,000 owners who have made claims and taken the trouble to thank us - putting us number 1 where it counts, claim paying.

Operation: We administer insurance on behalf of Lloyd's Underwriters including the collection and processing of premiums as agent for Underwriters under risk transfer arrangement - premiums received are deemed transferred to Underwriters immediately on receipt. Note, where we are unable to provide a quote ourselves we will, unless you request us not to, forward the details you provided to Nautical Insurance Services Ltd. who have access to other insurance options so may be able to provide quotations where we cannot. If so, they will contact you direct and from that point on handle all aspects of quotation, processing and administration, claims and answering any questions direct to you without reference back to us.

Your obligations: You must disclose all relevant facts making sure your answers are factually correct on all communications including proposal & renewals whether by web, telephone, fax or on paper. That includes immediate notification of any change of details once you are insured such as change of mooring or range or use. If not, you may not be covered in the event of an accident, loss or claim. We provide a specimen policy with all quotations and on our website. Please read through proposal form, quotation and specimen policy carefully as they form the basis of the contract so make sure that the cover meets all your requirements.

Claims: We ensure claims are handled fairly, processed and settled properly and quickly by our own in-house dedicated claims department acting on behalf of Underwriters, full details with every policy. Underwriters will not unreasonably reject a claim but will take all circumstances into account.

Fees & charges: All quotations are fully inclusive of Insurance Premium Tax and our annual £ 12 documentation charge; we make no charge for processing: claims, amendments or providing copy documents.

Cancellation rights: Your rights to effect cancellation at any time are detailed on the specimen policy.

Data protection: We comply with Data Protection Act 1998 in our need to process your personal (including sensitive) data and it is only on this basis we agree to act. This includes claim processing which may require enquiry to law enforcement, government, credit, survey or claim investigation offices. You have a right to see certain elements of your personal information we hold subject to expenses fee, contact "Data Controller" at Droxford House address.

Complaints: We sincerely hope you will never need to complain but should you feel that necessary we have a simple complaints procedure. First put the details of your complaint by email, fax or post to 'Complaints Manager' at the address you have been dealing with (or by phone) and it will be replied to within two working days. If you are not satisfied with that reply please state the reasons with a request for a Director to reply within three working days. If still unable to resolve the situation and you wish to make a formal complaint you can do so at any time by referring the matter to Policyholder & Market Assistance, Lloyd's Market Services, 1 Lime Street, London EC3M 7HA or tel: 0207 3275693 or email Complaints@Lloyds .com. If they are unable to resolve your complaint it may be possible for you to refer then to the Financial Ombudsman Services, details of which will be supplied at the appropriate time.

Renewals: We will use our best endeavours to contact you to ask if you wish to renew, but no insurance will be renewed or extended nor monies taken without your prior instruction.

Law: English law will apply to the contract unless written agreement is in place prior to the policy or renewal being issued.

PLEASE MAKE CERTAIN YOU CONSIDER ALL THE ABOVE AND KEY FACTS IN MAKING YOUR DECISION.

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® about our insurance services   Newton Crum Insurance Agents Ltd. Reg. Office: Droxford House, Charles Road, St. Leonards-on-Sea, E. Sussex, TN38 OJU also at: 839 London Road, Westcliff-on-Sea, Essex, SSO 9TE 1. The Financial Services Authority (FSA) The FSA 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. 2. Whose Products do we offer? We only offer products from a single Lloyd's Underwriter. 3. Which service will we provide you with? You will not receive advice or recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. 4. What will you pay for our services? We do not make a charge to provide quotations or handle policy amendments or claims. All premiums quoted to you are fully inclusive of our £12 documentation charge and Insurance Premium Tax. 5. Who regulates us? Newton Crum Insurance Agents Ltd., addresses as above, is authorised and regulated by the Financial Services Authority. Our FSA Register number is 307035. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. Our permitted business activity is: arranging and assisting in the administration and performance of a non investment insurance contract being a Regulated Activity. 6. Ownership of Newton Crum Insurance Agents Ltd. (NCIAL) The Crum family and directors own 99% of the share capital (55% direct and via interest in Fine Developments Ltd who hold 44%. 7. What to do if you have a complaint We sincerely hope that you won't need this but nevertheless we set out the simple to follow procedure above. 8. Are we covered by the Financial Services Compensation Scheme (FSCS) ? Marine/Yacht insurance is not covered by the Financial Services Compensation Scheme. Please read this to make certain the services we offer meet your requirements. 0110 Newton Crum Insurance facts: Actual extracts from genuine client letters to Jan, 2010 "The speed and efficiency in dealing with claims is commendable. It is good to know in times of distress, your service is quick and uncomplicated" "The courtesy, consideration and availability of staff for assistance/ excellent. The initial contact was excellent. The initial contact with you immediately eased a stressful situation and continuing info and updates has been useful. I can't thank you enough for your patience! If you wish to use any of these comments in your future brochure, please feel free" Received from Third Party "I have nothing but praise for the way you have handled the whole claim, when my boat insurance is due for renewal I will be contacting you for a quotation"' "The claim was handled efficiently + professionally all my questions were dealt with at once. My main contact was Miss Moore. She was a pleasure to deal with, a credit to your company. Thank you for making a difficult time as easy as possible" "I should like to record my appreciation for the prompt, efficient and pleasant manner with which my claim was treated, and I shall have no hesitation in recommending you in future, thank you" "your staff were excellent, very sympathetic and helpful. I have never needed to claim in 20 years of sailing and I was very apprehensive but your service was first class and thanks to your help I am now 'back on the water'." "A first class plus/5 star plus service. Absolutely super help from Mrs Ransom. Best Insurance service I have ever had (for all areas of insurance)." "Absolutely excellent service - first rate. This is the first time I have had a claim and I was very impressed. I will recommend you. Thank you." "I had a couple of telephone conversations with Mrs Ransom who was very helpful and polite. She is a credit to your organisation in helping to make the claiming and replacement of lost/stolen items more straightforward" "All correspondence & contact has been dealt with professionally, promptly & politely. Your company has been a pleasure to deal with and I have already recommended you to others. Thank you." "I would like to say that the staff at Newton Crum were excellent. Mrs L Ransom was particularly helpful and understanding as I was undergoing a series of eye operations which held the process up at my end. Your promptness in dealing with all matters relating to the claim was first rate and the promptness with which you have sent the cheque is superb. Many thanks." "This is our first boat- of our own though we have loads of experience- therefore our first claim, my son was so disappointed at the accident, however your company was so helpful and the cheque received so quickly was a real bonus. Thank you very much and hopefully we won't be in touch again- till next time!" "Newton Crum, you have exceeded my expectations, an absolutely faultless service, fast efficient and friendly. I dealt with Mrs L Ransom who was very helpful and made the whole claims experience a breeze. Thank you." "At the time I issued my claim I was unable to find our policy details, your staff at Westcliff on Sea were extremely efficient + reassuring. Miss L Moore has been superb in speed and accuracy dealing with us by letter, email or phone. We are pleasantly surprised at the ease & speed of the entire process, thank you!" Newton Crum Insurance Agents Ltd. Reg. Office: Droxford House, Charles Road, St. Leonards-on-Sea, E. Sussex, TN38 OJU also at: 839 London Road, Westcliff-on-Sea, Essex, SSO 9TE Authorised and regulated by the Financial Services Authority Updated 10 August 2009 S