Rowing Scull Insurance

Whether you’re a racer or a casual sculler, our rowing boat insurance covers you against a number of risks.

  • Damage to your scull, in-transit protection, and racing cover as standard.
  • Optional personal accident cover
  • Get a £40 Amazon voucher when you buy a new policy over £250

Call us on 0344 892 1987 or request a callback

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*Terms & Conditions - £40 Amazon Voucher offer

*A £40 Amazon voucher is available to new customers who purchase a boat insurance policy online where no code is needed or over the phone and quote the code AMAZON40. This offer is subject to an annual price of £250 (including insurance premium tax at 12% and our customer service charge) or above and cannot be used in conjunction with any other offers or discounts. In addition, it is not available on the Towergate Active product for small craft where the annual price paid is under £250. Cover is subject to your individual circumstances and our eligibility criteria. The voucher will be issued to you by email after 30 days on cover. If you cancel before you have been on cover for 30 days, you will not be eligible for the offer. Offer expires on 31/12/2024 but can be withdrawn or amended at any time if it is necessary to do so. Policies purchased after this date will not be eligible for the offer.  There is no cash alternative available, and we reserve the right to substitute a reasonably equivalent alternative, of equal value, should circumstances make this necessary.

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Why choose rowing scull insurance with Towergate?


Rowing scull insurance

Cover for damage to all parts of your scull, including riggers, blades and fins.


In-transit cover

For when you’re travelling to races, regattas, and training camps.


Racing cover for your rowing boat

Racing cover as standard for head and regatta season.

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Pay by Direct Debit

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

About rowing scull insurance


Accidental damage whilst in transit

We realise you won’t always be sculling on ‘home waters’. That’s why our policies cover your rowing scull against damage while it’s in transit. We can cover you if your scull is securely fastened to a roof rack or a purpose-built trailer. This cover also counts when going abroad in much of Europe (subject to certain exclusions). Whilst in transit, it’s worth being a little more careful with your scull as we can’t cover scratches, scrapes, or dents.


Cover for your blades

Let’s face it, you aren’t going to get far without them. So, we offer cover to ensure that should your blades break or be damaged, you can get replacements and get back on the water as soon as possible. As always, we ask you to take due care with your rowing scull blades; for example, make sure you don’t leave them unattended somewhere if they could be picked up by someone else. Insurance for blades will be equivalent to the type of cover you have chosen.


Rowing scull weather events

Severe winds can blow sculls off of outdoor racking and, if you’re really unlucky, you could get struck by lightning. Fortunately, you can be covered for both these events with our rowing scull insurance policy. Though we’re happy to cover such events, please take reasonable precautions not to expose yourself to severe storms. If you know in advance the weather is going to be particularly tough, do not go out on the water.


Optional personal accident cover

Our personal accident cover can be added as an optional extra. If you are involved in something more serious, it may help you pay for medical expenses. Please be aware that if you’re over the age of 75, you will not be eligible for personal accident cover.

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 on 0330 018 2292 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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  • Purchase your policy
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Rowing scull insurance FAQs

If you’re in unfamiliar waters and you go into a shallow section, it’s possible you’ll damage your scull on an underwater object. In this instance you’ll be covered. If your scull gets damaged due to carelessness or recklessness though, unfortunately we can’t cover you.

Firstly, the trailer should be purpose built. Most rowing clubs will own a purpose-built trailer and we’d recommend getting your scull transported on this, along with other boats travelling to regattas or training camps. You should secure your scull on the trailer with at least two boat ties/straps and ensure there’s padding under one end so that you can pull the tie tight without damaging the bow/stern deck of your scull. A handy tip is to tape a bottle (with air in it and the cap on) to one of the horizontal bars of the trailer.

If you’re transporting your scull on the roof of your car, you should attach it with at least two boat ties as above. You should also attach a fluorescent flag (or similar) to the bow ball of your scull if it hangs over the rear of your vehicle.

Yes, that means you can race all year round on rivers and lakes. So, you have no excuse not to do scullers’ head in the freezing cold. You will also be covered if you’re lucky enough to race at Henley. Just be sure to check your line and look out for those pesky booms!

Our rowing scull insurance policy can offer legal cover, as an optional extra.

The sculling boat insurance policy does include cover for outside the UK but is limited to 30 days (please check your policy wording for which countries are included). If you think you will be taking it outside of the UK for longer periods than this, speak to one of our advisers.

Yes, we also provide liability for those actively using older boats on slipways or launching onto the water. It meets most requirements for inland waters, such as The Thames, Norfolk Broads, lakes, and canals. This third-party cover product includes the removal and disposal of wrecked craft, as well as the re-floating and removal of damaged craft (under 60 years old).

If you would prefer to spread the cost of your rowing boat 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

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