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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Here to help

For a quote or insurance advice call:

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

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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:

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.


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.


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.


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.


Rowing scull insurance policy documents

Policy documents

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

Product Reviews

96% of customers liked our products (26 reviews)

DateProductScoreCustomer Comment

Dinghy Insurance (Renewal)


Easy, Quick, Right Price

Motor Boat Insurance (Renewal)


I would recommend the Boat Insurance Company without hesitation , very professional over the phone with information requested , and no delay what so ever in receiving my written quote, and paper copy of my insurance ,

Again many thanks


Dinghy Insurance (Renewal)


Quick and easy to renew

Motor Boat Insurance (Renewal)


Brill the girl that was dealing with me was very nice & pleasant. Another thing I like about towergate was that they kept me informed when my insurance was up & give ME time to sorted it.

Canoe Insurance (Renewal)


All that I talk to at your office have excellent product knowledge and are always friendly, polite and efficient.

Windsurf Insurance (Renewal)


I asked about commerical landlord insuranace and no details were sent

Dinghy Insurance (Renewal)


Excellent service.

Dinghy Insurance (Renewal)


Good communication on renewal, friendly informed staff and competative pricing premiums, please remain so, thanks Chris H.

Motor Boat Insurance (New Policy Holder)


but it took a few calls to get the posted copy of insurance

RIB Insurance (New Policy Holder)


Fast & Simple

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0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

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