Dinghy Insurance

Putting the wind back in your sails.

  • Don’t need cover all year round? Choose from 6 month or 12 month dinghy policies
  • Flexible excess options mean you can set your excess as low as £35
  • Our marine teams are under one roof, from quote to claim, we’re here to help

Complete a quote online and buy your policy right away

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Chat with our marine team. They’ll choose the cover that’s right for you

0344 892 1987
0344 892 1987

We’re here for you Mon - Fri 9am to 5pm
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We’ve listened to what our dinghy insurance customers want from their cover. Here are just some of the important elements of your dinghy insurance.

Don’t need race cover?

Insuring for leisurely cruising? We have Bronze insurance cover for our sailors who have no intention of racing. Features such as accidental damage and public liability are included but there is no additional racing element to the policy. As usual we don’t cover wear and tear to your dinghy but keeping it well maintained throughout the year will help prevent major damage occurring. To see if Bronze cover is right for you, check out a comparison of our policies in the handy table below.

New for old cover on masts, sails and spars

Naturally the stress of racing can cause damage to these parts of your dinghy. If you have Silver or Gold cover, simply supply us with the cost of a new mast, sail and spar for your dinghy and we’ll replace them as new for you. . The dinghy itself, excluding the mast and spars, is covered on a market value basis so make sure you consider this when choosing your sums insured.

Racing cover

Racing cover for dinghies is included on our Silver and Gold policies. Silver will cover you to race at club level while Gold cover extends to open meetings, nationals and European Championships. Sometimes it’s the little touches that count so our Gold policy will even refund your entry fee if an open meeting is called off due to poor wind conditions. Unfortunately we can’t cover general wear and tear over time but this can usually be prevented by keeping your dinghy well maintained.

Accidental damage

Often accidental damage can be down to damage caused by objects which lie underwater and scrape the bottom of your dinghy. Accidental damage ensures you have cover for repairs or full replacement of your dinghy in this scenario and for a few other mishaps that might occur. If you’re dinghy is in transit this cover won’t apply to scrapes and dents so make sure you’re a little more cautious during journeys with your dinghy.

We like to make it easy for you to choose the right policy for your boat. Compare our levels of cover in a glance using this handy table.
  Bronze Silver Gold
£3 million third party liability
Access to a nationwide network of repairers
Legal expenses cover of up to £100,000*
Cover whilst in transit
Cover for inland and coastal waters of the UK and up to 30 days in Europe
'New for old' for mast and sails
Personal belongings up to £350
Cover for racing at club level  
Refund of entry fee if the open meeting is abandoned due to poor wind conditions    
Cover for racing at open meetings, nationals and European championships    

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

It’s the moment of truth – you need to make a claim.

We are on hand from 9-5 on weekdays to assist you with the next steps you’ll need to make to claim.

You can get started here by downloading the dinghy claims form.

Photographs of damage to your dinghy will help us to move your claim along quicker and get you back on the water so try to grab a few snaps to send us.

Need to speak to the claims team?

We’re here to help so call us on:

0344 892 1320

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Customers rate our service at 92%

Based on 1708 independent customer reviews.

DateProductScoreCustomer Comment

Boat Insurance (New Policy Holder)


quick and efficient service

Boat Insurance (Renewal)


There was a problem with sorting out a lost payment which had been received by Towergate however their record on settling claims has been excellent.

Boat Insurance (New Policy Holder)


It is unbelievable that despite a letter from Towergate on 19 November 2014 providing details of a change in management of my policy and clearly stating that "there is no impact on your existing policy and nothing else will change" and further that "we will contact you in advance of your next renewal" i was not contacted at all in advance of my renewal in mid-May 2015.

Towergate let my policy laps with no further correspondence and when I chased them I was treated as a new customer, so clearly again not as the letter from Towergate stated "as a Towergate customer, your business is as important to us as it is to you"

How can Towergate get basic policy renewal and customer service so wrong?

i wonder how many other Towergate customers have been left uninsured?

The only glimmer of hope, when i did eventually get to speak to someone he was sensible, pragmatic and helpful.

Boat Insurance (Renewal)


No nonsense canoe insurance with no silly small print. Thanks.

Boat Insurance (Renewal)


No different to other years

Dinghy Insurance (New Policy Holder)


Website was quick and easy to use.

Boat Insurance (New Policy Holder)


did not receive renewal notice reminder last year.

Dinghy Insurance (New Policy Holder)


Quick clear and reasonable

Dinghy Insurance (New Policy Holder)


Simple and adequate dinghy insurance at a reasonable price.

Dinghy Insurance (New Policy Holder)


I was very impressed with the speed Towergate was able to guide me to the correct form to fill in for our small boat insurance and the speed of acceptance and follow-up with the paperwork - quick and simple - thank you

M H Iddon

More reviews


What security do I need to cover my trailer?

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 still be valid if the worst does happen.

I would like legal expenses cover. How do I do this?

You can add legal expenses cover to your policy for £5 including insurance premium tax by checking the box as you go through your quotation, alternatively contact us and speak to an adviser to add it to your policy at any time.

I only use my dinghy at my sailing club and I don't race. What cover is best for me?

If you don't race at all we suggest that our Bronze cover would be most suitable for you as it provides cover for your dinghy without cover for racing events. It also has a lower premium.

How can I pay for my dinghy insurance policy?

Whether you buy online or over the phone with our helpful team, you can pay by debit card or credit card. If you choose to pay by credit card there is an additional charge and there is no option to pay by direct debit for this policy.

What additional involvement do you have within the sport?

We are active within the sailing community supporting various class associations involved in national Championships.

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