About Small Boat Insurance


Small boat liability cover

£5m liability cover included as standard


Liability for water skiers and towing toys

Optional liability cover for water skiers and towing toys


No claims discount

No claims discount available with our cover for small boats

Direct Debit

Pay by Direct Debit

You can split your small boat insurance payments into monthly instalments.

Features of Small Boat Insurance

Standard cover

Small boat liability cover

With up to £5 million in third-party liability cover, you'll be ‘boat yard ready’. Exclusions include, employees and marine trade workers, fare paying passengers, parascenders and divers. There's also the option to include third-party liability for water skiers and the towing of toys.

Online quote and buy

Our online quote and buy system is tailored by craft type. You can easily specify your boat. Whether it be a rowing scull, dinghy, canoe, RIB or any other small boat, you'll only be asked the questions that are relevant to you - saving you time and effort.

No claims discount

We want to reward you for being responsible! You can take advantage of our 'No Claims Discount' to recognise the careful ownership of your small boat. Enjoy a 5% discount per year up to 25% for five years.

Small boat theft cover

Being compact and relatively easy to manoeuvre, small boats are a tempting lure for would be criminals. Fortunately, our theft cover is provided as standard. Just make sure that you secure your craft to keep it safer and meet the policy conditions for cover to apply.

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

Small Boat Insurance FAQs


What happens if I cannot visit my boat 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.


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. This third-party cover product includes the removal and disposal of wrecked craft, as well as the re-floating and removal of damaged craft.


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.