Terms and Conditions

Savvy Navvy Offer 

GJW Direct customers who purchase an eligible Marina Scheme insurance policy are eligible for a chance to receive a free 1-year subscription to savvy navvy. 6000 savvy navvy licenses are available on a first come first serve basis.   

Premier Marine Insurance customers are not eligible for this offer.  

Eligible policies are defined as the first 6000 Marina Scheme insurance policies purchased from 16/9/22 00:00 until the limit of 6000 is reached.  

You must have an email address in order to claim a savvy navvy license.  

A Marina Scheme insurance policy is defined as a policy for Motor Cruiser, Yacht, Speedboat, RIB or Narrowboat policies and whose vessels are moored in a recognised marina. Further details about these policies can be found here.  

One subscription is available per customer and on a first come, first served basis. Applicants must be over the age of 16 and have a live GJW Direct insurance policy to be eligible for a free 1-year savvy navvy subscription (from subscription date). 

This offer can only be redeemed by new business customers or customers renewing their policy from previous years.  Existing customers part way through their policy term will not be eligible for this subscription. 

Upon purchase of your eligible insurance policy, within 14 days you will receive an email from GJW Direct with instructions on how to redeem your free 1-year savvy navvy license.  

If you are not opted in or have opted out of GJW Direct marketing communication, we may be unable to communicate your savvy navvy promotion to you. If you would like to receive your free savvy navvy subscription, please email us on insure@gjwdirect.com. This is subject to a first come, first serve basis.

GJW Direct cannot be held responsible for any incorrect email addresses submitted and will automate the email communication to eligible policy holders.  

GJW Direct will not be held liable for any error of email address supplied by the customer. GJW Direct takes no responsibility for any email delayed, classed as spam, illegible, corrupted, damaged, incomplete or otherwise invalid. 

You will be required to enter your live GJW Direct policy number onto the savvy navvy website to redeem the offer.   

GJW Direct customers will not be required to submit bank details, credit or debit card details for their eligible savvy navvy free 1-year subscription. GJW Direct customers will not be enrolled to savvy navvy auto renewal subscriptions for the following year.  

The only way to obtain your free 1-year savvy navvy subscription is above. If you are having trouble obtaining a code, please contact the savvy navvy team here  

Subscriptions will not be available before 16/9/2022 00:00. Once all subscriptions have been redeemed, you will not be able to get a subscription even if you meet the eligibility criteria.  

Proof of a live GJW Direct policy purchase necessary. Policy number should be given to savvy navvy via their website.  

Terms of service and conditions of savvy navvy 

Savvy navvy - https://www.savvy-navvy.com/terms-of-service 

Must not be used in conjunction with any other offer. GJW Direct and savvy navvy reserves the right to withdraw the subscriptions at any point.  

GJW Direct reserves the right to obtain data from savvy navvy to ensure the offer has been redeemed to the eligible customer. 

There are no cash alternatives, and no refund will be given on the savvy navvy subscription.  

The offer is in partnership with savvy navvy and GJW Direct. 

Employees of savvy navvy and GJW Direct are not eligible to enter.  

To the extent permitted by applicable law, GJW Direct’s liability under or in connection with the offer or these terms and conditions shall be limited to the cost price of the license in question. 

To the extent permitted by applicable law, GJW Direct shall not be liable under or in connection with these terms and conditions, the offer and license for any indirect, special or consequential cost, expense, loss or damage suffered by a participant even if such cost, expense, loss or damage was reasonably foreseeable or might reasonably have been contemplated by the participant and the promoter and whether arising from breach of contract, tort, negligence, breach of statutory duty or otherwise. 

In the event of unforeseen circumstances beyond GJW Direct’s reasonable control, GJW Direct reserves the right to cancel, terminate, modify or suspend the offer or these terms and conditions, either in whole or in part, with or without notice. 

Legal Notice

General terms and conditions for use of the GJW Direct website.

General terms and conditions
This website is provided by Munich Re Specialty Insurance (UK) Limited. These are the general terms and conditions that govern your use of the Website.

Please read these terms and conditions carefully.

If you continue to use the Website you are agreeing to comply with and be bound by the following terms and conditions of use which may be enforced against you by Munich Re Specialty Insurance (UK) Limited. The term ‘you’ refers to the user or viewer of the website.

These terms and conditions may change or be updated from time to time. It remains your responsibility to access and check these terms and conditions whenever you access the website. The latest version of these terms and conditions will govern any future usage by you of the website.

Statutory information
Munich Re Specialty Insurance (UK) Limited is registered in England & Wales with Company Number 01262636 with its registered office at Munich Re Specialty Insurance (UK) Limited, Union, 2-10 Albert Square, Manchester, M2 6LW.

Munich Re Specialty Insurance (UK) Limited is authorised and regulated by the United Kingdom Financial Conduct Authority with Firm Reference Number (“FRN”) 310539. You can check this on the Financial Conduct Authority’s Register by visiting their website https://register.fca.org.uk/ or by contacting the Financial Conduct Authority on +44 (0) 845 606 9966. 

Munich Re Specialty Insurance (UK) Limited act on behalf of Munich Re Syndicate Limited at Lloyd’s.

Your responsibilities
You are wholly responsible for the use of the website by any person using your terminal or point of access and are responsible for ensuring that any such person also fully complies with these terms and conditions.

Use of the website
You agree to use the website in a manner consistent with any and all applicable laws and regulations in the country in which you access the website. The website is not intended for viewers in any other jurisdiction or country where local laws and/or restrictions prohibit any of the activities transacted by the website.

Your personal information
Usage of your personal information is governed by our Privacy Policy, which is available on a separate page on the website.

Applicable law
You agree that Munich Re Specialty Insurance (UK) Limited may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.

Licensing information
This Website contains general information on Munich Re Specialty Insurance (UK) Limited and its products and services and the website and its contents are not intended to constitute advice in any country in the world. Certain products and services described on the website are not available to all users due to insurance regulatory restrictions.

Any problems or questions relating to the website should be sent to insure@gjwdirect.com

Other websites
The website contains links to other third party websites and you may have linked to the website from another website. We are not responsible for the privacy policies or the content of such websites. You should check the terms and policies applicable to each such website. Other websites operated by or on behalf of other members of the Munich Re Group of Companies may also contain a privacy policy that is different from this privacy policy. This privacy policy relates to the website only.

Your acceptance of these terms
By using the website you shall consent to these Terms and Conditions, the website Privacy Policy and the website Cookie Policy. 


The information, including any financial information, on this website provided for information purposes only and none of the information on this website constitutes an offer to contract. We reserve the right to add, modify or delete information on this site at any time. We reserve the right to modify these terms at any time and without prior notice so you should rely on the most up to date version of these terms.

We will endeavour to ensure that this site is accessible for 24 hours a day. However, we will not be liable if, for any reason, the site is unavailable at any time or for any period. Access to this site may be suspended temporarily or permanently by us, without notice for routine or emergency updates and maintenance. We will not be liable for loss of use, profits or data or any indirect, special or consequential damages or losses in contract, negligence or tort including any losses relating to your use of, reliance upon or inability to use the website for any reason.

Accuracy and validity of information
Material and documents contained on this site are provided for information purposes only. Though we use reasonable endeavours to ensure that the website remains accurate and up to date, it is supplied on an 'as is' basis and accordingly we do not accept any liability for any errors and omissions. The website may also contain hypertext links to websites operated by third parties. These links are provided for information and convenience and any link does not imply an endorsement by us in any way of the third party site. We accept no responsibility for the operation and content of third party websites. No one may link into this site without our prior written consent. We cannot warrant that this site is free of viruses or technical defects of any description and we will not be responsible for any technical problems arising from the use of this website.

The copyright and any other rights in the material available on this site are owned by us unless otherwise indicated, and may not be used, sold, copied or reproduced in whole or part in any manner or form or in any media by any person other than for non commercial personal use without our prior consent..

Non UK visitors
If you are visiting the website from outside the UK your visit will necessarily result in the transfer of information across international borders. By visiting this site and communicating electronically with us you are consenting to these transfers.