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 today:

Get a quote

If you require additional assistance, call our marine team:

0344 892 1987
0344 892 1987

We’re here for you Mon - Thu 9am - 6pm, Fri 9am - 5pm, Sat 9pm - 1pm
Can’t get through right now? Request a callback

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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 93%

Based on 1181 independent customer reviews.

DateProductScoreCustomer Comment

Boat Insurance (New Policy Holder)


It's early to say much. Good so far.

Boat Insurance (Renewal)


The serious errors in our policy's paperwork were absolutely appalling and it took four attempts by Towergate to put them almost correct. If I had not checked the paperwork in detail it would have been very serious indeed and we would not have had the insurance cover that we had previously arranged. I would certainly not recommend this company. Very disappointing indeed.

On 29-Jan-2016 the supplier responded:
Product :Thank you for taking the time to provide us with your feedback. We were really sorry to read that you have been disappointed with the service you received. I note from your Policy that the matter has since been rectified however, if we can be of any further assistance please don’t hesitate to call us on 0344 892 1987.

Boat Insurance (New Policy Holder)


Seems ok. Haven't had to claim off them yet. Helpful staff.

Boat Insurance (New Policy Holder)


Quick setup, well explained and personable staff.

Boat Insurance (New Policy Holder)


Price and communication very good. have nether had to make a claim so cannot give as excellent yet.

Boat Insurance (New Policy Holder)


So far ok.

Boat Insurance (New Policy Holder)


Good price for Insurance though the proof is always how they handle a claim which I hope may not happen.

good sailing
Bob Smith

Boat Insurance (New Policy Holder)


Very pleased ,

Boat Insurance (New Policy Holder)



Boat Insurance (New Policy Holder)


Good knowledge of the product

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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