IRCM are offering a 10% discount off their standard Bowline Marine Trades Insurance programme to members of The Yacht Harbour Association with no Tie-Ins!  Here’s some frequently asked questions about the offer:

 Is this a one-off discount?

Absolutely not. We will continue to offer you a 10% discount at each renewal subject to the business remaining within our normal underwriting parameters.

Does the discount mean I will have weaker cover?

Far from it. The scope of cover is at least as good as anything you may already have. In some instances we offer a wider cover as standard such as no restrictions on size or value of the vessels you handle or work with.

Do you use a reputable insurer?

The Bowline Marine Trades Combined Insurance Policy is underwritten by Allianz Global Corporate & Specialty SE – one of the World’s leading providers of insurance to the Marine Industry.

What is the process for obtaining a quotation?

You can choose to deal with us through either email or telephone and we also offer you a traditional face-to-face consultancy. The choice is yours but we find that a face-to-face meeting is really useful for establishing your precise requirements

If I change insurers won’t I have to complete loads of paperwork?

Whilst some insurers are still insisting on businesses filling out large proposal forms, we believe in keeping business simple no form-filling is required for the Bowline Marine Trades Combined cover

What ongoing support do you offer your Marine Trades clients?


IRCM stands for Insurance Risk & Claims Management and we do what it says on the tin – ie we manage your insurance your risk and your claims. So if you want risk management support we can assist you with that; if you need to make a claim you will be aided by our in-house team of claims handlers which means your interests are fully represented throughout the claims process.

Why do you recommend other insurance products to Marine Traders?

21st Century businesses face 21st Century problems. These include constantly changing legislation regarding operation of your business and your duties as a company director and punitive awards against both the business and the director when inadvertent breaches of legislation occur. Protection for instances such as these is excluded from your Public & Employers Liability Insurances and where we believe such cover is appropriate to you we will recommend you invest in it.

Who are IRCM anyway?

IRCM is the specialist Marine Insurance brokerage of the KGJ Group of Companies – one of the UK’s largest family-owned insurance brokers. We specialise in providing insurance and related services to Marine businesses, Marine-based clubs and owners of commercial and private vessels. We are committed to delivering the best insurance value to Marine Traders which means, quite simply, the best available cover in return for the best possible premium.

How do I contact you?

Simply email or, if you prefer, telephone the Marine Trades Team on 01902 796 793