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Dinghy Insurance
Flexible dinghy insurance, with three levels of cover and up to £5 million in third-party liability.
- Enjoy a ‘no claims discount’, dedicated online portal and optional racing cover for dinghies.
- Get covered and your documents on the same day
One of the UK's leading independent insurance brokers
Why choose dinghy insurance with Towergate?
Flexible dinghy insurance
We offer three levels of cruising ranges for dinghies to suit your unique needs.
£5m liability cover
Up to £5 million in third-party liability cover for your dinghy.
No claims discount for dinghies
A ‘no claims discount’ to recognise careful ownership.
Pay for dinghy insurance by Direct Debit
Choose to spread your payment into 10 monthly Direct Debit instalments.
About dinghy insurance
Dinghy liability cover
Be ‘sailing club ready’ with £5 million in third-party dinghy liability cover. Exclusions include, employees and marine trade workers, fare paying passengers and divers.
No claims discount
No Claims Discount to recognise careful dinghy ownership. 5% discount per year up to 25% discount for five years.
Online portal for dinghies
With our online portal you can review and amend your cover amounts before renewal to reflect the current value of your dinghy and contents.
Optional racing cover
Option to add cover for damage to dinghy masts and sails while racing. You can also extend your policy to cover you for legal expenses and personal accident benefit (up to the age of 75).
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.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Dinghy insurance FAQs
To make sure a trailer is secure whilst carrying your dinghy, we ask you to ensure that a wheel clamp or hitch lock is fitted to the trailer whilst it is unattended. Not only does it help to deter theft of your dinghy and trailer, it also means your insurance will l be valid if the craft is stolen.
Legal Expenses cover is available as an optional additional product that you can choose to add to your policy. This cover can be added when taking out your cover online or alternatively, contact us and speak to an advisor to add it to your policy.
We offer three levels of cover for dinghies. There's insurance for “cruising UK inland and coastal waters”, “racing at club level” and “racing at club level plus open meetings national and European”.
Whether you buy online or over the phone with our helpful team, you can pay by debit card or credit card.
If you renewed your policy on or after June 2022, you are eligible for our online portal. You simply need to login to your portal or register for an account. To register you will need to enter your policy number, email address and correspondence postcode. All can be found in your policy documents.
To register for an account you will need to create a portal. When registering, we will need your Policy reference number, correspondence postcode and email address - all can be found in your policy documents.
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.
If you would prefer to spread the cost of your dinghy 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.
See our range of cover
Dinghy insurance articles
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A Beginner's Guide to Dinghy Sailing
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A Guide to Buying a Dinghy
Our sailing dinghy guide advises on how to get involved in the world of sailing and the importance of gaining some knowledge and experience before you buy.
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Chartering Your Boat
Chartering your boat is a good way to increase income. But to be compliant, you must insure your boat before renting it to anybody. This article covers the key facts to get you started.
Read moreCall our friendly team
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- 0344 892 1987
- Get in touch
Contact our friendly team or get a quote online
Our call centre is open Mon-Fri 9-5pm and Sat 9-12.30pm