Dinghy Insurance

Getting the right level of cover for your Dinghy is essential to having a good time out on the water, whether you’re racing or cruising.

Having specialised in Marine Insurance for over 195 years GJW Direct can provide you with the perfect cover for your Dinghy with instant quotes available online. Our self-service portal allows you to manage your policy online 24 hours a day, 7 days a week, 365 days a year. With a vast range of boat insurance options to suit all needs, when you insure your Dinghy with us, you’re in safe hands. 

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Recreational Racing Cover

Automatic racing cover and refund of entry fees

If the race is abandoned because of adverse weather, we will refund your entry fee if you are unable to recover from the organisers up to £20 for five days.

Personal Belongings Cover

Personal belongings cover up to £350

We cover sailing clothes and personal items normally worn or carried on your Dinghy, and whilst on or around your Dinghy, including those items kept in your Dinghy kit bag.

New For Old

New for old on all items in the event of a claim

We will not reduce the amount you are claiming for your Dinghy or other insured property if we replace old materials with new.

  • Agreed value policy
  • No age limit on user or craft
  • Medical expenses cover
  • Transit and trailer cover
  • 24 hour emergency helpline
  • Personal accident cover
  • Legal protection cover
  • No excess on third party claims
  • Simple online claims procedure
  • Inland coastal waters of EEA countries for up to 30 days per year
  • Multiple Dinghies can be covered in one policy
  • Third party liability £5,000,000
  • Rapid claims settlement
  • Exclusive discounts from a range of recognised marine brands via MyBoat

(Subject to exclusions and limitations)

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What GJW Direct insurance customers think

Lizz

Excellent, friendly service with competitive prices and always quick and factual responses to communications and questions - very highly recommended!

John

Fabulous service from GJW Direct recently. I managed to 'banana' my Supernova mast whilst racing - a tricky downwind leg in a strong and gusty breeze and a nasty capsize at speed. Submitted my claim on Monday; claims team emailed me on Tuesday; new mast arrived on Wednesday. All this meant that I didn't miss coaching on the very next Saturday or Club racing on the Sunday = very happy customer!

Dave

I've insured with GJW for a few years having found their pricing competitive. But you never really know about an insurer until you make a claim. Well last month I had to claim for a snapped dinghy centreboard. I found them efficient and really easy to deal with, my claim was settled for exactly the amount I was expecting. After that experience I'll definitely stay with them and won't hesitate to recommend GJW to others. Stay safe people.

Robert

I have used GJW dinghy insurance for several years. The premiums are competitive for very comprehensive cover. When I recently had to make a claim, the service and response by Ashley Vernon was rapid, polite, and faultless. Whilst I continue to need dinghy insurance I will continue to use GJW Direct - hopefully without having to claim again.

What does our Dinghy policy cover?

  • Refund of race entry fee

    If you enter a Dinghy race and the open meeting is abandoned because of adverse weather, we will refund your entry fee if you are unable to recover it from the organisers up to an amount of £20 for five days.

  • Personal belongings & kit bag cover

    We cover sailing clothes and personal items normally worn or carried on your Dinghy and whilst on or around your Dinghy, including those items kept in your Dinghy kit bag up to an amount of £350.

  • New for old on all items

    We will not reduce the amount you are claiming for your Dinghy or other insured property if we replace old materials with new.

  • No age limit on user or Dinghy

    We do not impose extra terms or conditions because of the age of your Dinghy.

  • Full racing risk cover

    We insure loss or damage to your Dinghy's mast, spars, sails and standing or running rigging whilst you are racing. We do not reduce your claim if we replace old materials with new and we will not reduce your claim because of the age of the materials.

  • Legal Protection cover

    We cover your legal expenses up to £25,000 to pursue damages for injury or death or out of pocket expenses following damage to your Dinghy or for the defence of criminal prosecutions brought against you.

  • Personal Accident cover

    Our Dinghy Insurance covers you and any other person using your Dinghy with your permission for accidental bodily injury or death whilst using your Dinghy up to a maximum amount of £20,000 any one person and in respect of any one event.

  • Medical Expenses cover

    We cover you and the crew of your Dinghy for Medical Expenses incurred by you and/or them arising out of personal injuries caused by any of the perils covered under your Dinghy Insurance up to £1,000 any one occurrence.

  • No excess on third party claims

    We do not apply the policy excess to any claims in respect of liability.

  • Third party liability of £5,000,000

    We cover you and any other person using your Dinghy with your permission for legal liability to another person arising out of interest in use of your Dinghy up to a maximum of £5,000,000.

  • Transit and trailer cover

    We cover your Dinghy and trailer, (if requested) for transit by road within the cruising area specified on your Dinghy Insurance Certificate. We do not cover your liability for the trailer while attached to a towing vehicle or as a result of accident on the highway or public or private place. This ought to be covered by your motor insurance policy.

  • Simple online claims procedure and rapid claims settlement

    Our philosophy is simple. We pay claims fast and fairly. You can complete the Dinghy claim form on our website and submit it to us electronically. We will, unless you specifically advise otherwise, correspond by email to ensure your Dinghy claim is dealt with as quickly as possible.

    Subject to the terms and conditions of the GJW Direct Dinghy Policy

  • 30 days European (EEA) cover

    We cover your Dinghy in EEA countries and Switzerland for up to 30 days per trip. EEA countries are Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, UK. If you use your Dinghy in either Italy, Spain or Greece you ought to contact us first so we may issue you with the certificate of compulsory insurance for those countries.

Partnering with the RNLI
Since 2018, we've partnered with the RNLI to aid their target of halving preventable coastal drownings by 2024. By sharing important safety information with our customers, we've raised over £80,000.
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RNLI boat with 3 life guards standing on deck

Policy Documents

See below the policy documents relevant to your Dinghy cover which are available for you to download.  

Please note, your policy wording may differ from the latest version available on our website. Please refer to your online dashboard for the relevant wording for your policy.

SAILING DINGHY INSURANCE

Sailing dinghy is a broad term for a range of small, open, sailing vessels used for both cruising and racing purposes. Our policy covers a range of uses and vessel types for every type of dinghy owner.

RACING DINGHY INSURANCE

Racing dinghies come under a variety of different classes based on the size and number of crew. Races are run and regulated in the UK by the RYA. Get in touch with our team to find out more about insuring your racing vessel.

THIRD-PARTY INSURANCE FOR YOUR SAILING DINGHY

Whether you’re cruising on calm waters or racing through the waves, you benefit from up to £5,000,000 in third-party liability for you and any other person using your dinghy with your permission.