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:
|Fire, lightning, explosion||•||•||•|
|Theft, malicious damage or vandalism||•||•||•|
|Accidental loss or damage||•||•|
Cover for fire, theft and weather event
Accidental damage cover
Accidental death or injury cover for you and your crewmates
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.
Wear and tear
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.
Yes. Our rowing scull insurance policy includes legal cover with a 24 hour helpline.
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.
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.
The excess of our rowing scull insurance starts at £50.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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, 9am to 5pm, 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 48 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 payment via BACS straight in to your bank account or via CHAPS to the supplier.
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