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.

0844 892 1987
01743 283 277 Mon - Fri 9am to 5pm, Sat 9am to 1pm
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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 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.


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 policy documents

Policy Summary Boat [pdf, 485 KB] Policy Wording Boat [pdf, 642 KB] Terms of Business [pdf, 752 KB]

Rowing scull insurance claims promise

Your rowing scull insurance claim

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.

Customer Reviews (2160)

Customers rate our service at 93%

Based on 2160 independent customer reviews.

DateProductScoreCustomer Comment

Boat Insurance (New Policy Holder)


did not receive renewal notice reminder last year.

Dinghy Insurance (New Policy Holder)


Quick clear and reasonable

Dinghy Insurance (New Policy Holder)


Simple and adequate dinghy insurance at a reasonable price.

Dinghy Insurance (New Policy Holder)


I was very impressed with the speed Towergate was able to guide me to the correct form to fill in for our small boat insurance and the speed of acceptance and follow-up with the paperwork - quick and simple - thank you

M H Iddon

Boat Insurance (Renewal)


The company seem very capable and offer good value for money.

Dinghy Insurance (New Policy Holder)


Super service. Very helpful.

Boat Insurance (New Policy Holder)



Boat Insurance (Renewal)


You charged me twice for my insurance which left me financially disadvantaged for a while. I did get my money back eventually though.

On 27-Jul-2015 the supplier responded:
I was disappointed to read that you were charged twice for the renewal of your Marine Insurance policy. In reviewing your policy, I've noted that on this occasion an unexpected technical error occurred which resulted in your over payment. At Towergate insurance we are proud of the service we provide our customers and we were sorry to hear on this occasion that the service received was not of the high standard that you can expect from us. I would like to take the opportunity to apologise for the inconvenience this matter may have caused you. I note that the payment has been refunded to you however, if we can be of any further assistance please don’t hesitate to contact us.

Kind Regards,
Towergate Feefo Team

Boat Insurance (Renewal)


The renewal notice came in plenty of time and the renewal process was straight forward and easily managed.

Boat Insurance (Renewal)


I contacted towergate when I discovered my boat suffered a rupture to the hull after hitting an underwater log on the river Trent and started taking on water, so much so the water was over my floor panels inside of 2hrs. After ringing for assistance as I was in risk of my boat going under in the night I was repeatedly offers a survay to see what the problem was and would come out for £75 even though I have breakdown cover. I told them its an emergency but was told they would do nothing. I was left to spend the night bailing water untill I found somewhere to pull me out. Not only did towsure abandon me to sink into the river but simply used my dire predicament to try making money out of me. I could have lost my home if it was not for a local boat yard and a fellow boater. I nearrly lost everything.

Richard John Bailey
Hunters moon.

On 24-Jul-2015 the supplier responded:
Thank you for taking the time to address your concerns to us. I was disappointed to read that the level of service when trying to made a claim was not of the high standard that you can expect from us. We view feedback extremely seriously and therefore, I would like to assure you that your comments have been forwarded to the Claims Manager who will contact you directly in order discuss this matter further.

Kind Regards,
Towergate Feefo Team

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0844 892 1987
01743 283 277 Mon - Fri 9am to 5pm, Sat 9am to 1pm
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