A Buyer’s Guide To Dinghy Insurance

As with any boat, dinghy's are a big investment, so you want to make sure you’re protecting both yourself and your vessel from damage, theft or accident. If it’s your first time buying dinghy insurance, or you’re looking to change insurance companies, our blog covers why you need it, what a typical policy includes and what specific features to look for…

Do I need dinghy insurance?

Dinghy insurance is a must-have for two main reasons. Firstly, you want to protect your investment against any damage that could end up costing you a significant amount of money. And secondly, having dinghy insurance will protect you against any third party injury or damage caused to you.

It’s important to have dinghy insurance not just so your vessel is protected against any significant damage that could cost you, but you’ll also receive protection against any third party injury or damage caused by you.

What am I covered for?

What’s included in your dinghy insurance will vary between insurance company, but generally speaking, you’ll likely be covered for:

  • Accidental damage, including fire and theft
  • Lifting and launching risks
  • Transit and trailer cover
  • Personal belongings
  • Personal accident cover
  • Medical expenses

Most insurers will also offer European cover, but you’ll have to check with each company for specific details.

What are the benefits of dinghy insurance?

If you were to take out a policy with us, you’ll get excellent benefits such as legal protection cover, personal accident cover and personal belongings and kit bag cover. Not only that, but dinghy racers will be delighted to know we offer full racing risk cover too.

As a GJW Direct policy holder, you’ll also receive access to a multitude of discounts for recognised marine brands such as Sailing Chandlery, Sunsail, Garmin and Spinlock when you sign up to our free digital organiser MyBoat.

What are the exclusions to my insurance?

Again, this will differ between policies but typically, you can expect the following to be excluded:

  • Wear and tear
  • Theft if the right security measures haven’t taken place
  • Damage following breakdown
  • Losses caused by corrosion
  • Loss of value due to the age of your dinghy

What are my obligations?

Your obligations can differ depending upon your insurance provider, however as a general rule of thumb, you’ll need to:

  • Perform regular maintenance checks
  • Let your insurance provider know if you make any changes to your vessel that could impact your cover
  • Report all incidents or accidents to your vessel
  • Make sure you keep up to date with payment plans
  • Tell your insurance provider if you sell or dispose of your craft

Where can I buy dinghy insurance?

GJW Direct offers dinghy insurance with 0% interest finance options. With a range of cover options to suit all needs, you can rest assured that your dinghy will be in safe hands. To find out more, click here.


Are you looking for first-time insurance or thinking of switching insurers? Get a quote for dinghy insurance with us in minutes and you can even purchase online.

Boat Insurance

Header Image Source:  Mark Jardine

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