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Dinghy Insurance

Flexible dinghy insurance, with three levels of cover and up to £5 million in third-party liability.

  • Enjoy a ‘no claims discount’, dedicated online portal and optional racing cover for dinghies.
  • Get covered and your documents on the same day
  • UK based support
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One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4300 customer reviews

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Why choose dinghy insurance with Towergate?


Flexible dinghy insurance

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


£5m liability cover

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


No claims discount for dinghies

A ‘no claims discount’ to recognise careful ownership.

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Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About dinghy insurance


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).

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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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Dinghy insurance FAQs

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.

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.

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”.

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

If you renewed your policy on or after June 2022, you are eligible for our online portal. You simply need to login to your portal or register for an account. To register you will need to enter your policy number, email address and correspondence postcode. All can be found in your policy documents.

To register for an account you will need to create a portal. When registering, we will need your Policy reference number, correspondence postcode and email address - all can be found in your policy documents.

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.

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.

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.

Read more FAQs

Dinghy insurance articles

A Beginner's Guide to Dinghy Sailing

Written with knowledge from the Safe Skipper team, we explain all you need to start out with your first dinghy, from technique to clothing.

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A Guide to Buying a Dinghy

Our sailing dinghy guide advises on how to get involved in the world of sailing and the importance of gaining some knowledge and experience before you buy.

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Anatomy of a Powerboat: Guide to a Powerboat

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Best UK Boat Races

Take a look at some of the most popular boat races around the UK.

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Do I Need a Qualification to Buy a Boat?

A commonly asked question by first-time buyers of boats is what, if any qualifications you need to buy a vessel. Read our explanation to find out.

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Chartering Your Boat

Chartering your boat is a good way to increase income. But to be compliant, you must insure your boat before renting it to anybody. This article covers the key facts to get you started.

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