About Dinghy Insurance

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Flexible dinghy insurance

We offer three levels of cruising ranges for dinghies to suit your unique needs. 

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£5m liability cover

Up to £5 million in third-party liability cover for your dinghy.

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No claims discount for dinghies

A ‘no claims discount’ to recognise careful ownership.

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Pay by Direct Debit

You can split your dinghy insurance payments into monthly instalments.

Features of Dinghy Insurance

Standard cover

Dinghy liability cover

Be ‘sailing club ready’ with £5 million in third-party dinghy liability cover. Exclusions include, employees and marine trade workers, fare paying passengers and divers.

No claims discount

No Claims Discount to recognise careful dinghy ownership. 5% discount per year up to 25% discount for five years.

Online portal for dinghies

With our online portal you can review and amend your cover amounts before renewal to reflect the current value of your dinghy and contents.

Optional racing cover

Option to add cover for damage to dinghy masts and sails while racing. You can also extend your policy to cover you for legal expenses and personal accident benefit (up to the age of 75).

Dinghy Insurance FAQs


What security do I need to cover my trailer?


To make sure a trailer is secure whilst carrying your dinghy, we ask you to ensure that a wheel clamp or hitch lock is fitted to the trailer whilst it is unattended. Not only does it help to deter theft of your dinghy and trailer, it also means your insurance will l be valid if the craft is stolen.


I would like legal expenses cover. How do I do this?


Legal Expenses cover is available as an optional additional product that you can choose to add to your policy. This cover can be added when taking out your cover online or alternatively, contact us and speak to an advisor to add it to your policy.


I only use my dinghy at my sailing club, and I don't race. What cover is best for me?


We offer three levels of cover for dinghies. There's insurance for “cruising UK inland and coastal waters”, “racing at club level” and “racing at club level plus open meetings national and European”.


How can I pay for my dinghy insurance policy?


Whether you buy online or over the phone with our helpful team, you can pay by debit card or credit card.


Can I pay in instalments?


If you would prefer to spread the cost of your dinghy insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

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.


Where can I find full details of my policy?


We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team for

current claims on 0330 018 2292. From 1 Nov, new claims on 01273 863 450, and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

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