Rowing scull insurance

Our rowing scull policy has been designed to cover you, your crew mates and your equipment.

Whether you're a beginner or you're training to compete, as a marine insurance specialist with over 30 years' experience, our rowing scull insurance has been designed with four different policy options to offer the level of cover you need.

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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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Features

Rowing scull insurance features

Each level of cover includes third-party liability (damage that you may cause to another person or property) and cover for up to 30 days in Europe. You can also add the following extra features:

 BronzeSilverGoldPlatinum
Third party
Fire, lightning, explosion  
Theft, malicious damage or vandalism  
Weather events  
Accidental loss or damage    
Personal accident      
  • Cover for fire, theft and weather event

  • Accidental damage cover

  • Accidental death or injury cover for you and your passengers

  • Optional personal accident cover

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.

Exclusions

Rowing scull insurance exclusions

  • Wear and tear

  • Corrosion

  • Loss of value because of age and use

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

  • Scratching, denting or bruising while your scull 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

Further exclusions may apply or vary dependent on level of cover chosen. The above exclusions are standard across each of our four policy options.

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

FAQs

Rowing scull insurance FAQs

  • Does the policy include legal cover?

  • Yes. Our rowing scull insurance policy includes legal cover with a 24 hour helpline.

  • Am I covered if I take my boat outside the UK?

  • The policy does include European cover but is limited to 30 days. If you think you will be taking out side of the UK for longer periods than this, speak to one of our advisors.

  • What steps do I take if my boat gets seriously damaged and I need to make a claim?

  • If your rowing scull gets damaged you need to speak to us immediately on 0844 892 1320. If it's possible, take photos of the damage and record the names and addresses of any other sailors involved - much like you would if you had a car accident.

  • What will the policy excess be on my rowing scull insurance?

  • The excess of our rowing scull insurance starts at £50.

  • 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.

Claims

Rowing scull insurance claims promise

Your rowing skull insurance claim

Winners of the 2011 UK Broker award for claims, and shortlisted in 2012, you can be assured that our team of marine claims specialists will understand your needs precisely. Should you need to make a claim, or if you need to discuss a potential claim, please call us using the number found in your policy documents. Available Monday to Friday, 8am to 5:15pm, UK-based team of advisors will advise and guide you through each step of the claims process, right the way until settlement.  

With no forms to fill in, only a Statement of Fact form which will be completed by your claim handler over the phone when you notify us of your claim, we pride ourselves on our easy, hassle-free claims procedure. Furthermore we guarantee to act on your claim within 24 hours of being notified, and within five days should you provide us with new information on an existing claim. Most important of all, when your claim is settled we will ensure speedy payment via BACS straight in to your bank account or via CHAPS to the supplier.

Documents

Rowing scull insurance policy documents

Policy documents

Policy Summary [pdf, 284 KB] Policy Wording [pdf, 186 KB] Terms of Business [pdf, 722 KB]
Reviews

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.

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)

++Latest:++

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

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01743 283277

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