About RIB Insurance


Third-party liability cover

Option to extend this for water skiing and the towing of toys.

Accidental Damage

Accidental damage of RIBs

Accidental tears and punctures included as long as the cause is covered by the policy.


Machinery failure and theft cover

Machinery cover for craft under 5 years as well as theft cover included as standard.

Direct Debit

Pay by Direct Debit

You can split your RIB insurance payments into equal monthly instalments.

Features of RIB Insurance

Standard cover

Third-party liability cover

We offer third-party liability cover for RIBs as standard. There's also the option to extend third-party cover for water skiing and the towing of toys.

RIB machinery failure cover

Machinery failure cover for RIBs under 5 years old as standard, with the option to add this cover for RIBs aged between 5 and 10 years.

Theft cover for RIBs

The fact that RIBs can be easily operated makes them especially attractive to criminals. Fortunately, theft cover is included as standard. Just make sure that you secure your craft to keep it safer and meet the policy conditions for cover to apply.

Market value and agreed value options

Whether or not you choose to modify your RIB, flexible cover can be provided. Market value is offered as standard with the option to move to ‘agreed value’ based on your level of customisation. Just be sure to check the value applicable to your craft.

RIB Insurance FAQs


What happens if I cannot visit my RIB during the Covid-19 pandemic?


We understand that due to the Covid-19 outbreak you may be unable to visit your boat. Read our FAQs for this situation.


What should I do if my RIB is out of commission for some of the year?


We only offer 12-month insurance policies but the benefit of this is that your policy cover will still apply when your RIB is laid up. If your circumstances change for part of the year, you can let us know the details and we can adjust your policy accordingly where necessary.


My policy says I'm covered to use my RIB in UK coastal waters. How far offshore can I go?


You are covered up to 12 miles offshore. If you are travelling between two points in the United Kingdom by the most direct route, you can be more than 12 miles offshore. Note travel between Great Britain and the Isle of Man, or Northern Ireland, or the Channel Islands is excluded. If you’re unsure, it’s worth checking with our marine team to ensure you’re still covered.


Can you cover water toys and towing?


Provided you have no more than two people being towed at a time, we can cover a number of different water toys and types of water skier; you just need to let us know to add the cover for you. We cannot cover toys such as banana boats and air chairs for towing, and we exclude cover for more than two people being towed at any one time.


Can I cover my RIB for punctures?


Yes, accidental damage is covered as standard on all policies, except our third-party only policy. So, punctures will be covered as long as the reason for the damage is covered by the policy (i.e. not wear and tear etc).


Can I pay in instalments?


If you would prefer to spread the cost of your RIB insurance policy, you have the option of setting up a Direct Debit to pay your premium bimonthly 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

Relaxed Person Making Claim