Small Boat Insurance

Boat insurance policies for your small craft - whether it's powered by sail, paddle, oar, or even by a small outboard.

  • No claims discount
  • Get covered and your documents on the same day
  • UK-based support 

Call us on 0344 892 1987 or request a callback.

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If you need additional assistance arranging your insurance, find out how our teams can support

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Why choose small boat insurance with Towergate?


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.

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Pay by Direct Debit

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

About small boat insurance


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.

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!
Start your quote

Small boat insurance FAQs

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, if you are under 60 years of age.

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.

Small boat insurance articles

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Narrowboat Winterisation and De-Winterisation

Winter can be a tough time on your narrowboat. So proper preparation is vital for smooth sailing. In this article, we cover all the necessary information to ensure you run with no issues.

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