Challenge us to insure your small craft. We’ll provide you with a policy suitable for your craft and the way you use it - from social scullers to racing dinghies.
We can cover a range of sailing dinghy types including Lasers, Mirror Dinghies, Wayfarers, toppers and even moths! We can also cover you according to how you use your dinghy – we provide cover for causal weekend use and optional racing cover including transporting your boat to races. Read more about our Dinghy Insurance.
Are you fed up with insurers who don’t know the difference between a canoe and a kayak? Well, we know the difference and we know that each requires slightly different insurance cover. We’ll find out all about your canoe/kayak and how you use it and provide you with the best policy for you. Read more about our Canoe and Kayak Insurance.
Sadly we can’t cover sweep oar boats like eights and fours, but we can cover double and single sculls (Sorry, no quads!). Be sure to ask your rowing club about the cover they provide while your scull is stored on club premises but ask us if you’d like more cover for when you’re out on the water, racing or transporting your boat to regattas and head races. We can also cover your sculls (blades or oars, which ever term you prefer!) and some other equipment such as stroke coaches – but please take reasonable care to look after these! Read more about our Rowing Scull Insurance.
If you own a yacht and you have a small charter to get back and forth from a swinging mooring for example, this can be covered by our yacht insurance policy if required. However, if you own a separate small motor boat, we can provide insurance for this too. Check out our motor boat insurance page for more details.
We handle all our claims in house. When 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.
To get the ball rolling, simply email us or call us on:
Lines are open Monday to Friday, 9am-5pm
We've put together a few handy guides to boating plus a few items which are just plain interesting.
The British Canoe Union (BCU) is the lead organisation supporting canoeing and kayaking in the UK. They have set up a grading system to help people assess which areas are suitable for their canoeing ability. In this article, we explain how the grading system is calculated and how you can be sure that you aren't putting yourself in unnecessary danger.
As part of our dinghy insurance video series we talk about the excess you pay on your dinghy insurance policy, why it may increase with different activities and how to remain protected. Check out the video to find out more...
It takes a certain type of bravery to get out on the water in cold conditions. Having myself rowed through several winter seasons I understand what it takes to drag yourself out of bed on those dark mornings and face the cold water, wind, rain and even snow!
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.
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.
If you are using your kayak on white water then all you need to do is let us know. Whether you are setting up your policy online or over the phone, you will be given the option to choose white water cover. Similarly, if you would like to add this on mid way through your policy you are more than welcome to do so by giving the team a call.
Towergate policies cover grades 1-5 defined by the British Canoe Union. To learn more about water grades read our guide to water grades.
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.
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!
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.