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Terms & Conditions

 UK only
Our website is directed at UK residents only. The products and services described are only available to UK residents. By completing a request for a quotation you confirm that you are resident in the UK  and you will immediately notify us if you cease to be so resident.

The content of this site and the products and services offered by us comply with appropriate UK legislation and regulation.

English Law will apply unless specifically agreed in writing prior to any dispute. 

Accuracy of information
The information that you provide to us must be true and correct to the best of your knowledge and belief as it will be the basis of the Contract between Insurers and you. In particular you should disclose any facts that would influence an insurer in the assessment and acceptance of the risk. If you are in any doubt about whether certain facts are relevant or not, please email us at Failure to disclose material information may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

Boats covered
We only cover privately owned UK  based or registered boats. Your boat must be kept or moored in accordance with the territorial scope and terms of your Policy.
Your boat must be in a seaworthy condition and must not be skippered by any persons who to your knowledge have been refused boat insurance.

Data Protection Act
Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to other insurance companies for underwriting and claims purposes. Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. We reserve the right to make a small charge for supplying this. If you have any queries, please write to  WH Insurance Consultants, PO Box 738, Portsmouth. PO1 9AY.

The copyright for material contained in this website is owned by  WH Insurance and Appstation.

You may view any part of the website, and print a copy of it for your personal use. You may not use, copy, or distribute any of the material contained in the website for any other purpose, nor incorporate or distribute it in any other form or publication.

WH Insurance may revise these Terms and Conditions at any time by updating this page. If you renew your contract with us, or purchase a new product or service, you will be bound by the Terms and Conditions current at that time, which may differ from these.

If you proceed, and access the information included in this website,WH Insurance will take it that you have read, understood, and agree to be bound by the information and conditions contained in these pages.


Your Right to Cancel the Policy
If having examined your policy documentation you decide not to proceed with the insurance you will have 14 days to cancel it starting on the date you receive your policy documentation. To cancel, please write to or email the address shown on your policy documentation.  If the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.
If you cancel up to 3 months from the start date we will return 50% of the premium paid.
If you cancel between 3 and 4 months from the start date We will return 25% of the premium paid
If you cancel over 4 months from the start date no premium refund will be made.
The Company may at any time give 7 days notice of cancellation by recorded delivery or registered letter to you at your last known address. You will then be entitled to a pro rata refund of premium for any unexpired period of cover provided there has been no claim or incident that might give rise to a claim.
You may give notice of cancellation at any time by writing to W.H. Insurance Consultants, and returning your current schedule of Insurance. If your policy has been in force for more than one year, we will return a pro-rata refund of the premium from the date of cancellation up to the renewal date subject to a minimum premium of £20 being retained by the Company. No return will be given if a claim has arisen in the current period of insurance or if a claim might or is likely to arise. If the policy is cancelled in the first year of insurance, short period rates will apply as follows:

©2008 Dinghy Insurance. Website by Appstation

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