Dear Mr Philpot, Many thanks for coming back to us with your valuable feedback. It’s always good to hear from our crewmates about their experiences with HKJ. Your comments have, understandably, been raised often over the past 14 months as we appreciate this has been a very frustrating time for all boat owners. Our statistics show that a majority of our claims happen when the boat is unattended and all of this is taken into account when calculating premium. Like most boat insurances, our policy wording doesn’t compensate for lack of use of the vessel during the period of cover.However, unlike most other insurances, we do reward loyalty from year 1, please click on this link to see how you can benefit. https://www.havenkj.com/loyalty-scheme/Thank you for your continued support. Please get in touch if we can help any further. Kind regardsHKJ
