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