Dinghy Insurance

Putting the wind back in your sails.

  • Don’t need cover all year round? Choose from 6 month or 12 month dinghy policies
  • Flexible excess options mean you can set your excess as low as £35
  • Our marine teams are under one roof, from quote to claim, we’re here to help

Complete a quote online and buy your policy right away

Get a quote

Chat with our marine team. They’ll choose the cover that’s right for you.

0844 892 1987
01743 283277

We’re here for you Mon - Fri 9am to 5pm
Can’t get through right now? Request a callback

Feefo logo

We’ve listened to what our dinghy insurance customers want from their cover. Here are just some of the important elements of your dinghy insurance.

Don’t need race cover?

Insuring for leisurely cruising? We have Bronze insurance cover for our sailors who have no intention of racing. Features such as accidental damage and public liability are included but there is no additional racing element to the policy. As usual we don’t cover wear and tear to your dinghy but keeping it well maintained throughout the year will help prevent major damage occurring. To see if Bronze cover is right for you, check out a comparison of our policies in the handy table below.

New for old cover on masts, sails and spars

Naturally the stress of racing can cause damage to these parts of your dinghy. If you have Silver or Gold cover, simply supply us with the cost of a new mast, sail and spar for your dinghy and we’ll replace them as new for you. . The dinghy itself, excluding the mast and spars, is covered on a market value basis so make sure you consider this when choosing your sums insured.

Racing cover

Racing cover for dinghies is included on our Silver and Gold policies. Silver will cover you to race at club level while Gold cover extends to open meetings, nationals and European Championships. Sometimes it’s the little touches that count so our Gold policy will even refund your entry fee if an open meeting is called off due to poor wind conditions. Unfortunately we can’t cover general wear and tear over time but this can usually be prevented by keeping your dinghy well maintained.

Accidental damage

Often accidental damage can be down to damage caused by objects which lie underwater and scrape the bottom of your dinghy. Accidental damage ensures you have cover for repairs or full replacement of your dinghy in this scenario and for a few other mishaps that might occur. If you’re dinghy is in transit this cover won’t apply to scrapes and dents so make sure you’re a little more cautious during journeys with your dinghy.

We like to make it easy for you to choose the right policy for your boat. Compare our levels of cover in a glance using this handy table.
  Bronze Silver Gold
£3 million third party liability
Access to a nationwide network of repairers
Legal expenses cover of up to £100,000*
Cover whilst in transit
Cover for inland and coastal waters of the UK and up to 30 days in Europe
'New for old' for mast and sails
Personal belongings up to £350
Cover for racing at club level  
Refund of entry fee if the open meeting is abandoned due to poor wind conditions    
Cover for racing at open meetings, nationals and European championships    

These are just some of the key features and exclusions, full details will be found in policy wordings. Show policy documents

It’s the moment of truth – you need to make a claim.

We are on hand from 9-5 on weekdays to assist you with the next steps you’ll need to make to claim.

You can get started here by downloading the dinghy claims form.

Photographs of damage to your dinghy will help us to move your claim along quicker and get you back on the water so try to grab a few snaps to send us.

Need to speak to the claims team?

We’re here to help so call us on:

0844 892 1320

Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your caravan insurance.

Dinghy Life Hacks


Sailing life hacks

The modern world is full of gadgets and devices to make our lives that little bit easier. Sometimes however, the simplest items can be used outside of their intended purpose...

View article
Dinghy Excess Video


Excesses on your dinghy insurance

As part of our dinghy insurance video series we talk about the excess you pay on your dinghy insurance policy, why it may increase with different activities and how to remain protected. Check out the video to find out more...

Yacht Sail


Sails care and maintenance

Sails are some of the most expensive and vulnerable equipment on any yacht, so it’s important to look after them. This guide from Towergate, specialist providers of Yacht Insurance, provides practical tips for keeping your sails in good shape.

Super Yacht Infographic


How much does a super yacht REALLY cost?

If you've ever bought a lottery ticket and dared to dream of owning a super yacht, you might have wondered how much it costs to buy and run. Our infographic gives you the low down on the most expensive yachts, who buys them and how much they have to pay to keep them afloat.

Customers rate our service at 93%

Based on 1916 independent customer reviews.

DateProductScoreCustomer Comment

Boat Insurance (Renewal)


although helpful could advise me if I was even insured presently. Spent hours trying to resolve issue only to find I was still covered

On 09-Jun-2015 the supplier responded:
Thank you for taking the time to address your concerns to us. I was sorry to read that you encountered a problem at renewal and I would like to take the opportunity to apologise for any inconvenience this may have caused you. Should you have any further questions please don’t hesitate to contact us on 0844 892 1987 and a Customer Service Advisor will be happy to assist you.

Many thanks,
Towergate Feefo team.

Boat Insurance (Renewal)


When I renewed the policy on the Sandhopper with you in March the operative on the phone couldn't have been more helpful.

Boat Insurance (Renewal)


Good efficient service.

Boat Insurance (Renewal)


A timely reminder supported by discussion and call-back at the time arranged to complete the deal.
Many thanks to all concerned.

Boat Insurance (Renewal)


My questions were answered promptly and clearly.

Boat Insurance (New Policy Holder)


We are new clients and we are happy that we don´t need your Insurance.

Regards Petra Maiwald and Dieter Gulik

Boat Insurance (Renewal)


All good!

Boat Insurance (Renewal)


Good service but I was on the phone for a long time just to renew a policy.

Boat Insurance (New Policy Holder)


Easy to set up and use site. Once I have set up my boat insurance I don't have to worry again as Towergate look after my policies and even contact me when they are due for renewal...... To sum up..Hassle free boat insurers what could be better than that?

Boat Insurance (Renewal)


It did what I needed, wouldn't say it was good or bad just satisfactory.

And so you pay attention I have ticked the BAD button as you've not given a plain old just satisfactory option, so in some ways this survey fails to address the question by offering the customer sufficient options to give a fully justified reply.


More reviews


What security do I need to cover my trailer?

To make sure a trailer is secure whilst carrying your dinghy we ask you to ensure that a wheel clamp or hitch lock is fitted to the trailer whilst it is unattended. Not only does it help to deter theft of your dinghy and trailer, it also means your insurance will still be valid if the worst does happen.

I would like legal expenses cover. How do I do this?

You can add legal expenses cover to your policy for £5 including insurance premium tax by checking the box as you go through your quotation, alternatively contact us and speak to an adviser to add it to your policy at any time.

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 also has a lower premium.

How can I pay for my dinghy insurance policy?

Whether you buy online or over the phone with our helpful team, you can pay by debit card or credit card. If you choose to pay by credit card there is an additional charge and there is no option to pay by direct debit for this policy.

What additional involvement do you have within the sport?

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

Question not answered? Ask your own question

Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.