Dinghy Insurance

Watertight cover for your dinghy on inland & coastal waters, in the UK & in Europe. Six or twelve month policies available to suit your usage.

Specialising in bespoke dinghy insurance, we have designed a package so that you only pay for the level of cover you need. So whether you are racing at open meetings, Nationals, European and World Cup events, just at club level, or not racing at all, we have a policy just for you.

Beat your renewal by 5%

Call us today and we will beat your renewal price by 5%*.

This offer is only available when you call us. See terms and conditions.

*Offer available to new customers only. Not in conjunction with any other offer. 5% off the total renewal price, including fees & charges if applicable, from your current insurance provider, applies to like-for-like cover. Excludes craft over £500,000 in value. Offer not available online or in conjunction with any other offer. Subject to: Minimum price of £100, sight of renewal notice within 14 days of inception and underwriting acceptance of Towergate scheme. Offer expires: 31/12/2014 but can be withdrawn at any time. Calls may be recorded.

For a quote or insurance advice call:

0844 892 1987
01743 283277 Mon - Fri 9am to 5pm
Get a quote
Request a callback

Dinghy insurance features

We offer either a six month or an annual policy, and for every cover option you will find the following key features:

  • Cover up to £350 for personal belongings

  • New for old insurance for mast and sails

  • Cover for inland and coastal waters in the UK and up to 30 days of cover whilst in Europe

  • £3 million third-party liability

  • Optional personal accident, including accidental death or injury up to £10,000

  • Cover whilst in transit

  • Choice of excesses starting at £35, depending on dinghy type

  • RYA-trained customer advisors

You also have the option to add legal expenses cover of up to £100,000.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Dinghy insurance exclusions

  • The first £35 of every claim (minimum excess depending on dinghy type)

  • Wear and tear

  • Corrosion

  • Loss of value because of age and use

  • Loss of value to your dinghy after it has been repaired

  • Scratching, denting or bruising while your dinghy is being transported

Please find below the list of countries which are defined as 'Europe':

  • Albania, Andorra, Austria, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Eire, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Republic of Macedonia, Malta, Monaco, Montenegro, The Netherlands, Norway, Poland, Portugal (excluding Azores), Romania, San Marino, Serbia, Slovakia, Slovenia, Spain (including coastal waters of Canaries, Madeira, and the Balearics), Sweden, Switzerland, United Kingdom, Vatican City

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Dinghy insurance FAQs

Am I covered for racing?

Yes, if you opt for our Gold cover you will be covered for racing at club events, Open Meetings and National, European and World Championship events. If you choose Silver, you'll be covered for racing at club level.

Is there a deduction if the mast is broken?

We will only deduct the policy excess. In the event of the mast being broken, then we would look to settle the full cost of the replacement mast - less the policy excess.

Can I leave my boat at the club?

Our policy covers your boat whilst left at the club, providing arrangements have been made to secure it. Any equipment that can be removed, such as sails and rudders, should be kept in secure storage. If the trailer is secured with an approved wheel clamp or ball hitch then cover is extended to this whilst the boat is stored at the sailing club.

What additional involvement do you have within the sport?

We are active within the sailing community supporting various class associations involved in national Championships. 

I only use my dinghy at my sailing club and I don't race. What cover is best for me?

If you don't race at all we suggest that our Bronze cover would be most suitable for you as it provides cover for your dinghy without cover for racing events. It's a lower level of cover at a lower premium.

I would like to purchase the additional legal expenses cover for £5. How do I do this?

You can purchase this at the outset; alternatively contact us online or speak to an adviser to add it to your policy.

What payment options do you offer?

We offer payment by credit or debit card; direct debit is not available for this policy.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Dinghy insurance claims promise

Your dinghy insurance claim

In the event that you need to make a claim, or should you wish to discuss a potential claim, our team of UK-based, dinghy insurance experts are on hand to help Monday-Friday, 9am to 5pm. Please call us using the number found in your policy documents and member of the team will assist you through the claims process.  You will be guided through each step of the way, right the way through to settlement, where you will receive payment via BACS direct to your bank account or by CHAPS direct to the supplier.  

Our simple, hassle-free claims process means that there are no forms to fill out and with access to a national network of repairers, should your dinghy get damaged, we can soon have you back in the water. Furthermore we guarantee to act on your claim within 48hours of being notified, and with 5 days of notification of any new information on an existing claim. 

Customer Reviews (57)

Our Boat Insurance service rated at 95%

Based on 57 independent customer reviews.

DateProductScoreCustomer Comment

Jet Ski Insurance (New Policy Holder)


So easy thank you

Narrowboat Insurance (Renewal)


quick and efficient

Motorboat Insurance (Renewal)


Correspondence is always clear and concise. I always renew over the phone and find the staff both friendly and efficient, but importantly I feel I'm getting excellent value for money. I have never had to claim, but in the event I am confident that all would go well. I feel assured!!!

Yacht Insurance (Renewal)


so far l have been extremely pleased with the results l have received from towergate staff as they are always pleasant and very helpful to deal with

RIB Insurance (Renewal)


Very competitive rates and the girls were very polite and informative

Motorboat Insurance (Renewal)


Keep it up, the service you provide at the is very good. Regarding products it would help me to have a multi boat policy so I could just make one renewal per year instead of three.


Motorboat Insurance (Renewal)


Friendly efficient staff.No time wasting questions.Straight down to business.Very pleased

Narrowboat Insurance (Renewal)


Good service but a bit slow on posting hard copies.

Yacht Insurance (Renewal)


always excellent service

RIB Insurance (Renewal)


telephoned to renew my boat insurance. the young lady l spoke to was very polite friendly and helpful what more could you ask for.

View all reviews >>

For a quote or insurance advice call:

0844 892 1987
01743 283277 Mon - Fri 9am to 5pm
Get a quote
Request a callback
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