Coronavirus help and support for our insurance customers

Small Boat Insurance

Boat insurance policies for your small craft - whether it's powered by sail, paddle, oar, or even by a small outboard - including:

  • Cover for many types of canoe and rowing scull
  • Protection for you and your boat whilst on the water
  • Optional racing and in-transit cover

Ready to hit the water? Start your small boat insurance quote online

Get a quote

Give our marine team a call and find the right cover for you

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
Can’t get through right now? Request a callback

Feefo logo



Features of our small boat insurance:

Dinghy insurance

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.

Canoe 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.

Rowing boat 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.

Small motor boats

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.

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

Small Boat Insurance Claims

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.

Simply email us or call us on:

0330 018 2292

Small Boat Insurance Articles & Guides

We've put together a few handy guides to boating plus a few items which are just plain interesting.

Dinghy Excess Video


Excesses on your dinghy insurance

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...

Lundy Island Puffins


The UK's Top 10 Coastal Wildlife Hotspots

There are an exciting variety of creatures great and small dotted around our coastlines and visible from some choice UK sailing spots. We've compiled the top 10 wildlife watching spots on our coasts with everything from dolphins, sharks and whales in the UK, to puffins, butterflies and owls. Don't worry if you don't sail, all these attractions can be enjoyed if you want to make it a walk on the wild side instead.

Boat Safety Thumb


Do I Need a Licence to Own a Boat?

Want to explore some of the UK’s beautiful coasts and waterways? This guide will help you figure out whether or not you need a boating licence and teach you how to apply for one.

Boat for sale


What are the Costs Associated with Buying a Boat?

Buying a boat is a really exciting process, from choosing the type of craft that suits your needs to testing out different vessels on the water. However, it is important that you take into consideration the various costs of buying and owning a boat to ensure that you have a suitable budget.

Small Boat Insurance FAQs

What happens if I cannot visit my boat during the Covid-19 pandemic?

We understand that due to the Covid-19 outbreak you may be unable to visit your boat. Read our FAQs for this situation.

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.

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.

Can I cover my kayak for use on white water?

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.

Which water grades would I be covered for?

Towergate policies cover grades 1-5 defined by the British Canoe Union. To learn more about water grades read our guide to water grades.

Will I be covered for gauging of my hull?

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.

Am I covered for head races and regattas?

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!

Can I pay for my small boat insurance in instalments?

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.

Choose your boat type

Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.