The HK-J loyalty scheme

Boat insurance with benefits

Rewarding your loyalty

Our boat insurance business is built on your loyalty,
and we’ve been lucky enough to have earned lots of it
since we started out. We wanted a way to say thank you,
so we put our heads together – the HK-J loyalty scheme
was the result, and now forms part of your policy.

Created for our claims-free, private, pleasure craft policyholders,
the enhancements below start from your first renewal: 

  • Policy excess reductions (All Weather Policy holders only).
  • Protected no-claims bonus.
  • Increased limits for emergency medical expenses
    and personal accidents.
  • Extended coverage for non-itemised new
    equipment used on the insured vessel
    (after 5 years’ continuous cover with no claims).
  • Money to compensate for extra inconvenience
    in the event of your boat being a write-off
    (after 5 years’ continuous cover with no claims).
  • And exclusive offers (whether you’re claims-free or not)
    see below.

There’s no extra charge for these policy enhancements –
they’re just a way for us to say thank you.

Please remember, the HK-J loyalty scheme is only
available for our private, pleasure craft policyholders.

Exclusive offers for our customers

When you renew your policy after a year of cover with us, you’ll be able to take advantage of these great discount offers. (As ever, T&Cs apply.)

Clothing and chandlery

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