Frequently Asked Questions

General Questions

Find answers to common queries about our services, coverage, and how we can assist you.

What is Angling Insurance?

Angling insurance offers protection for anglers, covering risks related to fishing activities. This includes cover for equipment loss or damage, personal accident protection, personal liability, and more, ensuring you’re safe and secure while enjoying your time on the water.

Why do I need Angling Insurance?

Unlike general home insurance, which may offer limited coverage for fishing gear, angling insurance is tailored to meet the specific needs of fishing enthusiasts. This includes equipment, personal injury, third-party liability, loss of earnings, and other risks associated with fishing accidents, giving you peace of mind on and off the water.

Who is eligible to take out a policy?

Our Policyholders must be aged 18 years or older and residents of the UK, Channel Islands or the Isle of Man. We cannot insure certain individuals, for example those with unspent criminal convictions. These are clearly explained before purchase.

Can I access my insurance policy online?

Yes, you can not only access your policy online but also review and download your documents, update your details, make changes to the policy and submit claims.

Who are you regulated by?

Angling Protect is a trading name of H2A Online Ltd (registered in England and Wales no: 10712264) which is regulated and authorised by the Financial Conduct Authority no: 781604.

What kind of insurance do you provide?

We provide comprehensive insurance for anglers, guides, professionals, clubs and associations, day-ticket waters and fisheries.

Do I have to pay VAT on my policy?

Insurance policies are not subject to VAT; instead, they are subject to Insurance Premium Tax (IPT).

What is IPT and how much is it?

IPT stands for Insurance Premium Tax. This is a tax on insurers and applies to general insurance premiums at the standard rate of 12%. Travel insurance has a higher rate of 20%, which applies only to the premium relating to the travel section of your policy.

Can I get cover if I live outside the UK?

We can only cover people who live in the UK and UK-registered businesses.

Can I buy a short term policy?

We only offer annual policies and our rates are designed for this purpose. Furthermore, if you take out an annual policy and cancel it mid-term, we retain at least 40% of the annual premium.

Why choose Angling Protect?

Angling Protect offers insurance made for Anglers by Anglers. We have created the policy through consultation with experts in the field of angling and are confident that it meets the demands and needs of anglers, professional & guides, clubs & associations and fisheries.

How much cover do I need?

For liabilities we have set limits that we feel will cover your activities, however where specific sums insured are involved, you must provide us with the correct value of your equipment, contents, stock etc., to ensure that you have sufficient cover.

Your Data

Learn how we collect, use, and protect your personal information to ensure your privacy and security.

What personal data do you collect and why?

We collect information like your name, contact details, and address to provide accurate coverage, communicate with you about your policy and meet regulatory requirements.

How do you use my data?

We use your data to manage your insurance policy, process claims, improve services, and ensure compliance with legal obligations. Your data also helps us provide personalised support and keep you informed of any policy changes.

Who has access to my data?

Only authorised personnel and third-party service providers involved in your policy management (e.g., claims processors or regulatory authorities) have access to your data, and we ensure their compliance with strict data protection standards.

How long do you retain my data?

We retain your data as long as your policy is active and as required by law. Typically, some information may be stored for a defined post-policy period as this is required for compliance and claims purposes.

Is my data secure?

Yes, we use industry standard encryption, secure servers, and regular audits to protect your data against unauthorised access, loss or misuse.

Can I access or update my data?

Absolutely. You can review and update your personal details by logging into your account or contacting customer support. We strive to keep your information accurate and up to date.

Will my data be shared with other companies?

We only share limited data with trusted partners essential to providing your insurance coverage, such as claims handlers. We never sell or rent your personal data to third parties.

How can I delete my data if I no longer use your services?

You can request data deletion by contacting us. Please note that we may retain certain information for regulatory and legal reasons,

What if I suspect my data has been compromised?

If you believe there has been any unauthorised access to your data, contact us immediately. We take security seriously and will investigate and take necessary actions to safeguard your information.

How does the website use cookies to handle my data?

Our website uses cookies to improve user experience, store login details securely, and analyse website performance. You can manage your cookie preferences through your browser settings.

How do I change or remove the records you hold?

If you find the information, we hold about you is wrong, you can ask for it to be corrected. You can also ask us to delete the information. For record-keeping and compliance purposes, we’ll retain certain information collected from you in connection with transactions.

How can I unsubscribe form marketing emails?

You’ll find an ‘unsubscribe’ link on our marketing emails. Alternately, you can log in to the Members Area, where under ‘your account’, you can uncheck the answer to ‘I would like to be updated on offers and latest news’.

Managing Your Policy

Get guidance on updating, renewing, or making changes to your policy with ease.

How do I get copies of my policy documents?

We email you the policy documents when you buy a policy or when you make a mid-term change to the policy. Furthermore, you can access your policy documents and download them from the Members Area.

How do I update my contact information?

You can update your phone number and correspondence address by clicking on ‘your account’ which is a link available on the top right corner of the Members Area. If you want to update the insured address, navigate to the policy and click ‘Make a Change’.

In what circumstances can I change the name on my policy?

Please emails us a copy of your marriage certificate or change of name deed poll and we will do the rest. In a case where the policyholder has passed away, we require a copy of the death certificate and the name of the new policyholder.

How do I cancel my policy?

You can cancel your policy through the Members Area. Simply log in, navigate to the policy your wish to cancel and select ‘Cancel Policy’. Please note that as we offer an annual policy, in case of mid-term cancellation, we retain at least 40% of the annual premium.

Can I make changes to my policy?

You can make changes to your policy through the Members Area. Simply log in, navigate to the policy your wish to alter and select the option to ‘make a change’. You can add and remove cover or change the insured address.

Do I need to give notice to cancel my policy?

You can cancel your policy anytime via the Members Area. If you choose to Cancel from inception during the 14-day cooling-off period, a full refund is made. If you choose to cancel after time on cover, a pro-rata refund will be made subject to retention of 40% of the annual premium. No refunds are made if a claim has been submitted.

Making a Claim

Understand the steps to submit a claim and what to expect during the process.

I think I have a claim what should I do?

All you need to do is log in to the Members Area, select your policy, and click ‘Make a Claim’ – the process takes just minutes, and you will be contacted by our claims professional within 24 hours. Alternatively, you can call or email us.

What measure do you take to tackle fraud?

If we possess information that we believe is false, misleading, or potentially fraudulent, we will forward it to the appropriate legal or statutory authorities. We may also share this information with other organisations to help prevent fraudulent claims.

What is an excess?

The excess is the amount you contribute towards a claim. If you make a claim, you pay the excess, and your policy covers the remainder. Your excess will always be clearly marked in your policy documents and also on the policy page on the Members Area.

How long does it take to settle a claim?

A simple claim for tackle can be settled in days, while a complex negligence claim can take months. Whatever the type of claim, we’ll always support you and keep you informed. Once a claim is settled, payment can be made quickly via BACS transfer.

What happens when I notify you of a potential claim?

Once we receive your claim, one of our adjusters will reach out to you to explain the next steps. All claims will be assessed within 1 business day and we aim to make a decision within this time, unless we need more information in which case we will contact you.

What should I do if a third party makes a claim against me?

Do not admit liability, don’t attempt to settle the claim yourself, and don’t communicate with the claimant without our approval. All you need to do is log in, to the Members area and submit a claim. The process takes just a few minutes and we will contact you within one business day.