A buyer’s guide to dinghy insurance

As with any boat, dinghys 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…


Why do you 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.


What does dinghy insurance include?

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 features should you look for in your insurance policy?

Think about what you’re going to need the most from your insurance policy and what you’re going to be using your dinghy for i.e. cruising or racing, or both. It’s also a good idea to check what’s excluded from your policy so check the wording carefully. And always check that your insurance policy covers the areas you wish to sail in.


What’s excluded in your policy?

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


Where can you 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.


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