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.

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For a quote or insurance advice call:

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

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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 Offer expires: 31/12/2014 but can be withdrawn at any time.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.

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

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£ Show price


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, 8am to 5:15pm. 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 prompt 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 24hours of being notified, and with 5 days of notification of any new information on an existing claim. 



Dinghy insurance policy documents

Policy documents

Policy Summary [pdf, 27 KB] Policy Wording [pdf, 1715 KB] Terms of Business [pdf, 722 KB]



Product Reviews

93% of customers liked our products (1082 reviews)

DateProductScoreCustomer Comment

Unoccupied Insurance (New Policy Holder)


Employee very knowledgable with product and helped me understand everything in lay mans terms. Thank you.

Static Caravan Insurance (Renewal)


I am afraid that Towergate, through their appointed loss adjusters, consistently refused a claim for over 2400 pounds of wáter damage to the static caused by wáter increase through corner seals. Subsequently the Financial Ombudsman ruled in our favour and the claim was paid with an 8% penalty against the insurers. This saga caused unnecessary delay and worry during a time when it was obvious to us that there was a liability to pay for the internal damage though not the resealing of the corner joints.
We have continued with this company and hope that there will be no repeat of this level of service should another claim arise.

On 02-Oct-2014 the supplier responded:
Thank you for taking the time to provide Towergate Insurance with your feedback. I am pleased to hear that you have remained with Towergate Insurance, we really appreciate your loyalty. Should you have any further concerns please do not hesitate to contact us.

Kindest regards,
Towergate Insurance

Static Caravan Insurance (Renewal)


Excellent service answered all my querries, no problems.

RIB Insurance (Renewal)


Fast answering of the phone, friendly and very knowledgable staff who are willing to share their experiences and expertise. A pleasure to deal with this company.

Specialist Insurance (New Policy Holder)


Lorraine Francis was very thorough, had a great telephone manner and I really felt as though she understood what we needed. She took time to call back at an agreed time the next day and made the whole process much more personal than most. I would definitely refer any friends and family to Towergate and specifically Lorraine.

Static Caravan Insurance (Renewal)


Very good service and prompt answer to telephone!

Specialist Insurance (New Policy Holder)


We wanted holiday home insurance and Towergate offered a policy that did not cover many contents if unoccupied for a period. Holiday home insurance should cover unoccupied periods. We were also overcharged as the policy amount, VAT and Towergate fee added up to less than the amount taken by Towergate. When we asked for the policy to be cancelled as it was not suitable for holiday home purposes Towergate did not do this and we had to call again to ask for cancellation. In the end we received a full refund but overall the experience was not good.

Dinghy Insurance (Renewal)


Very happy

I have three boats insured on two policies - I wonder whether it would be to our mutual advantage if they were all on one policy

Unoccupied Insurance (New Policy Holder)


All questions answered to my satisfaction and in the circumstances, renewed the policy

Household Insurance (New Policy Holder)


Simon Sorrentino was excellent on the phone, explaining things and answering questions, without being all jargon-y or pushy. He was very pleasant and made the process of switching my insurance to meet our new needs (as foster parents) a pleasant and easy one.

On 16-Sep-2014 the customer changed their rating and added:
It is very useful to be able to have specific insurance needs met now that we are fostering.

See this exchange on Feefo

View all reviews >>

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

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