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Dinghy insurance

Join our family of dinghy owners for comprehensive cover you can trust.

03308 224 249

Insurance for dinghy owners

We created our dinghy insurance cover specifically for dinghy owners. Whether you’re new or an existing client, our friendly team is always ready to answer your questions and find cover that’s right for you.

Our features and benefits

Comprehensive standard policy to enjoy your dinghy

  • Racing cover
  • Road transit up to 9 metres
  • UK wide and 30 days use in Europe.

Accidental damage to protect you from the unforeseen

  • Protection against accidental and malicious damage
  • Fire and theft
  • Salvage charges.

£5 million third party liability cover for peace of mind

  • Indemnity cover if you damage another boat, property or injures a person.

Specialist boat insurance benefits at no extra cost

  • RYA member discount
  • Any sailor cover with your permission
  • Multi-dinghy discount
  • 7 days claims helpline.

Get your dinghy insured now

Buy online today using our quick and easy quote and buy – our experts are always on hand to support you.

Dinghy insurance policy detail

We’re always transparent about what’s included in our dinghy insurance cover. But if you’re not sure what kind of cover you need, feel free to get in touch with our friendly team.

We take your personal requirements into account to provide you with the level of cover that’s right for you.

What is insured?

Please note this list is not exhaustive – refer to full policy document for details.

Cover for you and your dinghy:

  • Loss or damage to your insured property by one or more of the following: accident, fire, theft, malicious damage and vandalism
  • Loss or damage occurring during hauling out, launching and lifting by crane, including fitting out and overhauling
  • Loss or damage whilst in transit by road included as standard for vessels up to 9 metres in length
  • Liability to third parties and non-fare paying passengers ‒ £5 million as standard
  • Your legal expenses in settling or defending a claim, solicitor’s fees and other expenses relating to official enquiries or a coroner’s inquest.

What's not insured?

  • The cost of repairing or replacing any part that is lost or damaged because it is faulty
  • Loss or damage caused by insects, marine borers, barnacles, marine growth, fungi or molluscs
  • Any liabilities incurred whilst your boat is being used by, or is in the custody or control of any person employed in the marine trade in conjunction with their business.

Get your dinghy insured now

Buy online today using our quick and easy quote and buy – our experts are always on hand to support you.

Why insure your dinghy with us?

Our team is different because we understand the lifestyle of owning a dinghy. Having dinghy insurance experts do the hard work for you will help you enjoy your hobby with confidence and peace of mind.

We’re proud to offer:

  • 40 years of marine broking experience, backed by the world’s leading insurance broker and risk adviser
  • Real people giving you a personalised service
  • A diverse team passionate about boats
  • Market value and agreed value policies
  • A trusted partner of the RYA
  • Quality products backed by A-rated insurers
  • The flexibility to buy the way you want – online or over the phone
  • Access to our friendly team who is always on hand to help, especially if buying online isn’t quite right for you.

Our promise to you

We take boat insurance seriously, so you’ll always know you’re in the right hands. We promise to: 

  • Represent your interests at the time of a claim to get you the very best outcome
  • Give proactive risk management advice to protect your boat  
  • Make it easy to make changes to your cover throughout the year.


Going the extra mile

Our dedicated team loves to answer your questions and go the extra mile wherever they can. And we’re not just boat experts, we’re also experts in:

  • Finding solutions to fit clients’ complex needs
  • Explaining policy conditions and exclusions so you don’t fall foul of them
  • Explaining the risks to new boat owners
  • Walking you through the whole process of insuring your vessel.

Get your dinghy insured now

Buy online today using our quick and easy quote and buy – our experts are always on hand to support you.

Frequently Asked Questions

Let us help you get the right cover for your needs ‒ call an expert now on 0204 579 2080.

Yes, you will receive third party insurance cover as standard with all of our boat policies.

Third party liability cover is the minimum cover you will receive with our comprehensive boat insurance.

Third party cover comes included in our fully comprehensive cover as mentioned in your insurance documents.

We can cover a wide variety of boating vessels which are grouped as follows ‒ click the appropriate link for more information:

While it is not usually a legal requirement on most waters, having appropriate cover makes sound financial sense. Marine mortgage companies for instance insist on compulsory insurance as part of their money lending process. However, there are two stand-out reasons why boat insurance is important:

  1. Firstly you have to protect your capital investment against loss or damage which ultimately could result in a large and costly repair bill if the worst were to happen.
  2. Secondly having adequate boat insurance can help to protect you against any third party liability for injury or damage caused by you or your vessel. Third party liability is usually the most frequent claim we receive when it comes to boat insurance.

From a small dinghy to a large super-yacht or a super-fast Jet Ski, each type of vessel will attract a different level of risk, so just like car insurance - boats are usually categorised according to their vessel type and risk.

It goes without saying that a Sunseeker with powerful engines that costs a million pounds will be far more expensive to insure than a smaller, much less powerful craft.

A yacht will also have a different risk assessment than a dinghy or a jet ski, so insurers will factor in the type of the vessel and any potential repair bills before calculating the premium.

In general, the actual size of the boat isn't as important as its value, how easily it could be stolen and the potential for damage. If your boat is trailer-able and spends a large amount of time safely tucked away on your drive, you'll probably pay a different premium than if it was stored at a marina.

The area in which you keep and use your boat will also have an influence on the level of premium you pay and may have restrictions on cover that are subject to local weather conditions.

Finally, the experience of the owner / users and the type of use i.e. whether it is used privately, as a charter or racing vessel and of course any previous claims experiences are all taken into consideration when calculating the premium.

The level of premium is obviously important but it should not be the sole deciding factor: you should try and strike a harmonious balance between costs vs. benefits.

All policies are different, so make sure you choose one that provides the cover you want and need. Handy tip - assess the most expensive parts of your boat and check that your policy provides cover for damage to these, as well as what deductions may apply in the event of a claim.

  • Are any replacement costs issued on a new-for-old basis?
  • Exclusions - make sure you look out for any exclusion in your policy. All policies have them, so check your wording very carefully.
  • Ensure that the policy covers any cruising grounds you wish to sail into.
  • Finally, make sure the insurer is authorised and approved by the regulatory body of the country in which they are based; here it is the Financial Conduct Authority.

Any physical damage covered by a boat insurance policy will usually include equipment such as hull, sails, machinery, furnishings, on-board equipment and the trailer if applicable.

Standard cover generally provides:

  • Accidental damage, including fire, theft and malicious damage, sinking, stranding, collisions and salvage costs.
  • Damage to engines.
  • Transit risks up to 30 feet in length.
  • Lifting and launching risks.
  • Loss or damage caused by latent defects.
  • Frost.
  • Personal effects.
  • Damage to mast and rigging whilst racing can be purchased for an additional premium.

Third party cover provides:

  • Protection for you, or authorised persons using your boat, from claims made by third parties for death or injury or damage to third-party property for which you may become legally liable.

Typical policy exclusions include:

  • Damage caused by wear and tear.
  • Wilful misconduct.
  • Loss of value due to age of vessel.
  • Losses caused by corrosion osmosis.
  • Mast, spars and sails whilst racing unless the policy has been extended.
  • Damage to machinery following breakdown.
  • Theft unless the right security devices or locks are fitted.
  • The policy excess relating to damage caused by you and also on any third party claims.

Online or over the phone - our experts are on hand to support you.