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:
|£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
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.
The first £35 of every claim (minimum excess depending on dinghy type)
Wear and tear
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.
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.
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.
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.
We are active within the sailing community supporting various class associations involved in national Championships.
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.
You can purchase this at the outset; alternatively contact us online or speak to an adviser to add it to your policy.
We offer payment by credit or debit card; direct debit is not available for this policy.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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.
Based on 58 independent customer reviews.