Claims Advice

Our Service

The true test of your insurance policy is how it responds when you need to make a claim. The Sunseeker Shield team will provide you with emergency assistance, reassurance and peace of mind when you need it most.

We provide you with:

  • 24hr emergency claim helpline +44 (0)1202 647463
  • Ability to submit your claim online or via the telephone
  • Full ‘hands on’ claims management service
  • Your own dedicated claim manager to guide you through the entire process
  • Comprehensive advice on what to do in the event of an incident
  • Straight forward risk management advice to help avoid insurance claims

Our Advice

The comprehensive protection afforded by Sunseeker Shield insurance provides you reassurance and peace of mind, never more so than in the unfortunate event of an incident.

Should you be involved in an incident and need assistance and advice you are able to:

  • Call our 24hr emergency claim helpline on +44 (0) 1202 647463
  • Contact the Sunseeker Shield Claims Department within office hours by phone or This email address is being protected from spambots. You need JavaScript enabled to view it.

OR select the relevant scenario from the following claims advice guide.

Please note that the scenarios given are of a general nature and cover may not be provided in every eventuality. Please refer to your policy schedule and the Sunseeker Shield policy wording for full details of your personal policy cover, terms and conditions.

My Sunseeker is damaged

My Sunseeker is damaged

  • Do whatever you can to minimise the damage and contain any loss.
  • Contact Coleman Marine Insurance as soon as possible so that further assistance can be given.
  • Where possible, take photographs of the incident and damage.
  • Obtain estimates to repair.
  • Forward the photographs and estimates to the Sunseeker Shield Claims Department. 

Whilst your Sunseeker Shield insurance policy provides comprehensive cover, it is not possible to confirm absolutely that every eventuality is covered, but there is a good chance that it may be!  

If appropriate submit your claim here

I've damaged someone else's property

I've damaged someone else's property

  • Do not admit liability, offer to make any form of payment, or provide details of your insurance.
  • Take the name and full contact details of the other party.
  • Contact Coleman Marine Insurance as soon as possible so that further assistance can be given.
  • Where possible, take photographs of the incident and damage and forward them to the Sunseeker Shield Claims Department.

Your Sunseeker Shield insurance policy provides a minimum of £3,000,000 cover for Third Party Liability where you are negligent. You will not have to pay towards a claim under this section as there is no policy excess.

If appropriate submit your claim here

Someone has been injured aboard/embarking/disembarking my Sunseeker

Someone has been injured aboard/embarking/disembarking my Sunseeker

  • Do not admit liability, offer to make any form of payment, or provide details of your insurance.
  • Take the name and full contact details of the injured party.
  • Contact Coleman Marine Insurance as soon as possible so that further assistance can be given.

Your Sunseeker Shield insurance policy provides a minimum of £3,000,000 cover for Third Party Liability where you are negligent. You will not have to pay towards a claim under this section as there is no policy excess. In addition, there are also Medical Expenses and Personal Accident benefits included in the policy, although you should refer to your policy wording and schedule for the limits of indemnity.

If appropriate submit your claim here

My Sunseeker and/or insured property has been stolen

My Sunseeker and/or insured property has been stolen

  • If appropriate, secure the vessel to mitigate potential further losses.
  • Notify the Police as soon as possible and ask for a Crime Reference Number where applicable or other acknowledgement.
  • Where appropriate, notify marina management or other authorities.
  • Contact Coleman Marine Insurance as soon as possible so that further assistance can be given.
  • Where possible, and if applicable, take photographs of the incident and damage.
  • Obtain estimates for repairs and replacements.
  • Forward the photographs, estimates and receipt(s) from initial purchase to the Sunseeker Shield Claims Department.    
Your Sunseeker Shield insurance policy covers many aspects of theft. It even goes as far as covering Personal Effects both whilst they are onboard the vessel and also when in transit between your home and the vessel.

There are occasions when you will need to have taken certain security measures for this cover to be given. For example, a suitable anti-theft device would need to be securing the following whilst they were unattended: the vessel whilst on a trailer; trailers; dinghies; tenders; outboard motors.

In addition, loss or damage from theft or attempted theft would need to involve forcible entry into or exit from the vessel or building in which the insured property was stored.

If appropriate submit your claim here

My Sunseeker and/or insured property has been vandalised

My Sunseeker and/or insured property has been vandalised

  • Do whatever you can to minimise the damage.
  • If appropriate, secure the vessel if its security has been compromised.
  • Notify the Police as soon as possible and ask for a Crime Reference Number where applicable or other acknowledgement.
  • Where appropriate, notify marina management or other authorities.
  • Contact Coleman Marine Insurance so that further assistance can be given.
  • Where possible, take photographs of the incident and damage.
  • Obtain estimates for repairs and replacements.
  • Forward the photographs and estimates to the Sunseeker Shield Claims Department.


Your Sunseeker Shield Insurance policy provides cover for malicious damage. You would not even have to pay your policy excess if this happened whilst your boat was moored on a marina berth.

If appropriate submit your claim here

My Sunseeker is taking on water

My Sunseeker is taking on water

  • The safety of those on board must be your paramount priority, followed by the safety of your vessel.
  • Do whatever you can to stem the water ingress and minimise the damage.
  • If necessary arrange for your vessel to be lifted out of the water. Arrange for appropriate 'first aid' work to be carried out immediately, e.g. if the engine and gearbox have been submerged, to minimise potential further damage.
  • Contact Coleman Marine Insurance as soon as possible so that further assistance can be given.
  • Where possible, take photographs of the incident and damage.
  • Obtain estimates for repairs and replacements.
  • Forward the photographs and estimates to the Sunseeker Shield Claims Department.

Your Sunseeker Shield Insurance policy is comprehensive. Nevertheless it would depend on the cause of the water ingress as to whether a claim would be covered in full. Insurance is designed to protect you against the unforeseen, e.g. if you hit a submerged object. It does not provide cover where damage is as a result of wear and tear or when the boat has not been kept in a seaworthy condition for example.

If appropriate submit your claim here

I collided with an underwater obstruction. There doesn't appear to be any damage

I collided with an underwater obstruction. There doesn't appear to be any damage

  • It is prudent to get your Sunseeker inspected at the earliest opportunity. If possible, head for a port where your vessel can be lifted for the hull and underwater gear to be inspected.
  • Arrange for your vessel to be lifted and the hull and underwater gear professionally inspected.
  • If damage is found, contact Coleman Marine Insurance as soon as possible so that further assistance can be given if required.

Your Sunseeker Shield Insurance policy will cover all expenses reasonably incurred to sight the bottom of your boat in such a scenario, even if no damage is found upon inspection (although you may have to pay your policy excess).

If appropriate submit your claim here

What is salvage?

What is salvage?

Sunseeker Shield - Salvage Explained

The question of salvage can fill a Sunseeker Owner or Captain with dread; hence the following information will hopefully throw just a little light onto the subject.

What is Salvage?

Salvage is a voluntary and successful rescue of your Sunseeker or those on board from a peril of the sea.

Sunseeker Shield includes the "reasonable costs incurred, including salvage, in preventing or minimizing a loss covered..." Peace of mind can be gained from this. However there are a number of points to consider.

Towage is defined as "the movement of your Sunseeker afloat by means of being towed by another vessel or towing another vessel other than in distress in the best interests of either vessel"

It is important therefore to understand the difference between salvage and towage.

If assistance at sea is required, you should consider if your Sunseeker is in peril? Remember, Towage as set out above does not involve immediate distress.

Whilst circumstances may be extremely inconvenient it may only be a tow that is required. A good example might be if your Sunseeker had run out of fuel, is in no imminent danger but must await the delivery of fuel. (Remember your Sunseeker Shield policy "will pay up to £50,000 for reasonable costs incurred in the event there is an emergency situation where the vessel is not in imminent danger, resulting from the delivery of fuel, oil, parts or loaned batteries (excluding the cost of the items themselves) or emergency labour whilst away from safe harbour)"

Obviously if in peril and the safety of the boat or those on board is at risk in any way, a salvor may well be required constituting Salvage under the Sunseeker Shield policy.
 

Accepting a line

Merely accepting a line without any agreement may unfortunately constitute salvage and, in the example given above, a Court or Arbitrator will very likely find that salvage services have been rendered unless you have agreed in advance that the tow will be performed on a contractual basis. Agree therefore the basis of any tow before accepting that tow, even verbally with a witness to the agreement, which can then be recorded in writing as soon as possible.

A fair price for salvage

If salvage services have been rendered, and the proper level of remuneration cannot be agreed, it will be for a Court or Arbitrator to decide what is reasonable. Hence the Insurers understandable inclusion of "reasonable costs incurred..."

Salvage costs can be agreed in one of four ways:
  • Between the salvor and Captain, in advance of the salvage.
  • In negotiation between the salvor and your Shield Insurers either prior to or after the salvage.
  • Utilising binding arbitration after the salvage.
  • Litigation on the part of the salvor.
The latter two can prove to be very expensive, with cost alone often outweighing the cost of any salvage operation hence the first of the two options shown are preferred.

If at all possible the cost of the services rendered can be agreed at a fixed price, based upon the time involved, fuel, and any other expenditure that the salvor might reasonably have to meet. In this way the services will not constitute salvage but work rendered on an agreed contractual basis.

Lloyd's Open Form

If an agreement can not be reached, a salvor, Owner or Captain may ask or be asked to commit to sign a Lloyd's Open Form prior to the commencement of a salvage.
This is merely an agreement or contract between Owner or Captain and salvor for the basis of the salvage and allows the salvage to commence with the extent of the award determined later. The salvor may wish to invoke what are termed the SCOPIC terms, provided SCOPIC is incorporated into the Lloyds Form contract. This simply means that the salvor will be paid even if the salvage attempt is unsuccessful.

Involve Your Sunseeker Shield Insurers

In the event of a salvage requirement, if at all possible involve your Insurers. Despite Coleman Marine Insurance providing a 24 hour / 7 day help line, it may not always be possible or realistic to obtain their immediate advice and support. It is however important to report all that has occurred with the fullest of details as a matter of urgency. This will both protect your position and that of your insurers who having established cover can then take over the negotiation of any award on your behalf.


If any Owner or Captain acts prudently as if they were not insured, to protect the interests of their Sunseeker, by default they will also protect the position of their Insurers and are unlikely to prejudice their position.

If appropriate submit your claim here