Whether you’re a racer or a casual sculler, our policy covers you and your scull against a number of risks.
We all know there’s a bit of an art to sculling. In the early days, staying upright is a bit of a challenge but even when you’ve got a few Ks under your belt, the odd crab can still put you over now and again. Our personal accident cover can help pay for medical expenses should you be involved in something a bit more serious. This is included on our platinum policy and can be added to our Silver and Gold policies for just £5 but please be aware if you’re over the age of 76, you will not be eligible for personal accident cover.
We realise you won’t always be sculling on ‘home waters’. That’s why our gold and platinum policies cover your rowing scull against damage while it’s in transit. We can cover you if your scull is securely fastened to a roof rack or a purpose built trailer. This cover also counts when going abroad in much of Europe (subject to certain exclusions) so you’re covered for those pre-Henley training camps too. Whilst in transit it’s worth being a little more careful with your scull as we can’t cover scratches, scrapes or dents.
Let’s face it, you aren’t going to get far without them so we offer cover to ensure that should your blades break or be damaged, you can get replacements and get back on the water as soon as possible. As always we ask you to take due care with your blades, for example make sure you don’t leave them unattended somewhere if they could be picked up by someone else. Cover for blades will be equivalent to the level of cover you have chosen so check which policy will be most suitable before you buy.
Severe winds are the one and only time when jumping on an ergo is more appealing than getting out on the water. However, severe winds can still blow sculls off of outdoor racking and if you’re really unlucky, you could get struck by lightning. Fortunately you can be covered for both these events. Though we’re happy to cover such events please take reasonable precautions not to expose yourself to severe storms, if you know in advance the weather is going to be particularly tough do not go out on the water.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
If you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
All we need are the details of your claim, your policy number and some photographic evidence where appropriate. You can send any photos to our email, firstname.lastname@example.org.
Our claims team are here to help from 9am-5pm Mon-Fri on:
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If you’re in unfamiliar waters and you go into a shallow section, it’s possible you’ll damage your scull on an underwater object. In this instance you’ll be covered. If your scull gets damaged due to carelessness or recklessness though, unfortunately we can’t cover you.
Firstly, the trailer should be purpose built. Most rowing clubs will own a purpose built trailer and we’d recommend getting your scull transported on this along with other boats travelling to regattas or training camps. You should secure your scull on the trailer with at least two boat ties/straps and ensure there’s padding under one end so that you can pull the tie tight without damaging the bow/stern deck of your scull. A handy tip is to tape a bottle (with air in it and the cap on) to one of the horizontal bars of the trailer. If you’re transporting your scull on the roof of your car, you should attach it with at least two boat ties as above. You should also attach a fluorescent flag (or similar) to the bow ball of your scull if it over hangs the rear of your vehicle.
Yes. You have the option of extending your cover to include racing on our gold and platinum policies. That means you can race all year round on rivers and lakes so you have no excuse not to do scullers’ head in the freezing cold. You will also be covered if you’re lucky enough to race at Henley. Just be sure to check your line and look out for those pesky booms!
Yes. Our rowing scull insurance policy includes legal cover with a 24 hour helpline.
The policy does include cover for outside the UK but is limited to 30 days (please check your policy wording for which countries are included). If you think you will be taking out side of the UK for longer periods than this, speak to one of our advisers.
The excess of our rowing scull insurance starts at £50 but is flexible. Multiple rowing sculls may increase your excess so check with an advisor or on your documents to be sure.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal 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.