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.

0844 892 1987
01743 283277 Mon - Fri 9am to 5pm
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Dinghy insurance features

We offer either six month or twelve month policies and discount to those who belong to a class association or, a partner sailing club. There are tiered cover options so you can select the policy that applies to your lifestyle. Browse our cover below:

Cover for:BronzeSilverGold
£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    

*Legal expenses cover of up to £100,000 is included if you buy over the phone however, if you buy online the cover is optional and costs an additional £5.

Personal accident, accidental death or injury covered up to £10,000

Bronze Cover

Great if you’re a recreational sailor and do not race.

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Silver Cover

All the benefits of bronze but with additional cover if you race at club level.

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Gold Cover

The benefits of bronze and silver, plus racing from club level to European championships.

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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.


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 (622)

Customers rate our service at 92%

Based on 622 independent customer reviews.

DateProductScoreCustomer Comment

Narrowboat Insurance (Renewal)


When I had a claim from a third party, the issue was dealt with no fuss and the price has not been loaded too much on renewal

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

View all reviews >>

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