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Dinghy Insurance
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Why choose Craftinsure for dinghy insurance?
It’s easy to see why so many boaters choose sailing or racing dinghies as their boat of choice; nothing compares to the feeling of being out on the waves with the wind speeding you onward. Specialist dinghy insurance through Craftinsure means you can sail or race confidently, knowing you’re covered against risks like injuries, third-party claims, and loss or damage to your vessel.
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Trusted by boat owners
Rated ‘Excellent’ by Trustpilot and Smart Money People, Craftinsure arranges cover for over 20,000 boat owners.
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Fast online cover
Request a quote online and complete your purchase in minutes using our simple, fully digital process.
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Up to £5m third-party cover
Up to £5m of cover is included as standard for protection against third-party claims
Dinghy insurance highlights
- Includes racing cover as standard for your mast, spars, and sails at all levels of competition
- Up to £5m of Third-Party Liability cover included as standard
- Get cover to take your dinghy abroad for up to 30 days in continental Europe
- Get a quick online quote in minutes
What does dinghy insurance cover?
Specialist sailing and racing dinghy insurance through Craftinsure can help provide financial protection whether you’re competing in a race or simply enjoying a calm afternoon on the water.
Dinghy Insurance
- Full racing cover for mast, spars and sails
- Automatic cover for all levels of competition
- Loss or damage from fire or theft
- Loss or damage during transit by road
- Third-party liability cover up to £5m, including whilst using another boat of the same class
- Trailers and trolleys
- Others using your dinghy (with your permission)
- Up to 30 days use in continental Europe
- Racing cover
- Wear, tear, depreciation or gradual deterioration
- Loss or damage due to the vessel being unseaworthy, left unattended float, or to personal effects
- Mechanical or electrical breakdown
- Operation outside of the territorial scope shown in the policy
- Wilful misconduct or recklessness by you or other persons in control of the vessel
Take a look at our Insurance Documents for full details of the dinghy insurance cover provided.
Why consider specialist dinghy insurance?
Dinghy insurance can help protect your finances if your boat is damaged or stolen, or if you’re held liable for injury to another person or damage to third-party property.
For example, a sudden gust could cause a capsize mid-race, snapping your mast. It’s a disappointing way to lose, but it’s even worse if you have to cover the cost of repairs yourself. Or maybe you’re towing your dinghy to an event and end up in a minor road accident.
Specialist dinghy insurance could help cover the costs in both circumstances, so you can return to competing and enjoying the water in no time.
Which boats are covered by dinghy insurance?
Specialist dinghy insurance through Craftinsure can include cover for a wide range of vessels, such as:
- Laser dinghy insurance
- Mirror dinghy insurance
- Optimist dinghy insurance
- Topper dinghy insurance
- Wayfarer dinghy insurance
If you can’t see your dinghy listed above, you can see the full list of dinghy classes covered through Craftinsure when you visit our quote page.
Racing dinghy insurance
Racing dinghy insurance through Craftinsure covers a range of events, from local club racing to national competitions.
You’re covered to use your racing dinghy on inland and coastal waters in the UK and the Republic of Ireland, plus up to 30 days in continental Europe, so you can head abroad for regattas or summer sailing without the stress.
Up to £5m third-party liability cover is included as standard on your policy, because on race day, peace of mind matters as much as performance.
Dinghy Insurance FAQs
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Several factors affect the cost of dinghy insurance, including your claims history and the class and price of your boat.
Get an online quote within minutes to discover the cost of your cover.
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Whilst dinghy insurance isn’t a legal requirement in the UK, most clubs and events require it. It’s a good idea to check this beforehand to avoid disappointment.
Or you may want to consider specialist insurance to help protect yourself regardless, so you have peace of mind no matter where you sail or race your dinghy.
Through Craftinsure, you can get an online quote in minutes through our simple quote process.
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Yes—dinghy insurance through Craftinsure covers you to race or sail in continental Europe for up to 30 days.
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As a policyholder, you’re expected to keep your dinghy and equipment, including trailers, well maintained and do everything you can to protect them against evident dangers.
They should be securely tied down to the ground at dinghy parks when not in use.
Sails and foils should be removed and safely stored ashore where feasible.
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With a specialist dinghy insurance policy through Craftinsure, your dinghy is covered while on the water, in transit, and in storage. If you’re transporting your dinghy on a trailer or putting it in storage, it must be properly secured to reduce the risk of theft or damage to your vessel.
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Should you ever need to make a claim, please contact the claims team as soon as possible. You can find the contact information for the claims team in your insurance booklet. Find out more about how to make a claim on our dedicated page.
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You can insure a second-hand or older dinghy through Craftinsure. To insure your second-hand dinghy, you’ll need to provide the following information:
- Its current market value
- The type or class of your dinghy
- How and where you’ll use and store it
To find out how much your policy could cost, get a quick online quote today.
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