About Rowing Scull Insurance

Accidental Damage

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.

Direct Debit

Pay by Direct Debit

You can split your rowing scull insurance payments into monthly instalments.

Features of Rowing Scull Insurance

Standard cover

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.

Rowing Scull Insurance FAQs


What happens if I cannot visit my rowing boat or rowing scull 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.


Will I be covered for gauging of my hull?


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.


How should I secure my scull on a trailer or roof rack in order for my cover to remain valid?


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.


Am I covered for both head races and regattas?


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!


Does the policy include legal cover?


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


Am I covered if I take my boat outside the UK?


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.


Can I get third-party liability cover for older craft?


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).


Can I pay in instalments?


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.


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