- Recreational racing cover
- Third-party liability cover
- Over 195 years of marine insurance experience*
- 24-hour emergency claims helpline
Rowing Boat Insurance
What is rowing boat insurance?
There’s nothing quite like the serenity of rowing across the water. Specialist rowing boat insurance provides extra peace of mind by protecting you against risks such as theft, damage, or accidents. Many policies also include third-party liability cover, so you’re protected whether you’re racing, exploring rivers, or rowing along the coast.
Why choose us
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Recreational Racing Cover
Policies through GJW include cover for racing at no extra charge.
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No Age Limit On User Of Craft
Our policy does not impose any age restrictions for any user.
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Instant cover & access to policy documents
When taking out a policy, you can choose to be instantly covered & get access to your policy documents.
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Road Transit Cover
We will cover your vessel during road transit (when requested), great for those long journeys to your favourite locations to use your SIB.
What does rowing boat insurance cover?
Rowing Boat Insurance
- Third-party liability—cover for you and others using your rowing boat.
- Theft—covers your rowing boat whilst ashore if locked to a permanent structure.
- Damage—fire and explosion damage, and damage caused by latent defect.
- Recreational racing cover—the policy includes cover for racing at no extra cost.
- No age limit—the policy does not impose any age restrictions for any user.
- Transit—transit and trailer cover for those long journeys to your favourite locations.
- Legal expenses cover—covers legal expenses up to £100k to pursue damages for injury or death or expenses following damage to your boat, or for the defence of criminal prosecutions brought against you.
- Wear and tear and lack of maintenance.
- The cost of repairing or replacing a latently defective part/item.
- A fault in design or construction
- Defective workmanship.
- Rot, mildew, dampness, corrosion, weathering or any other gradually operating cause.
- Wilful misconduct.
- Racing outside of the United Kingdom.
Read our important documents for more information.
Why consider rowing boat insurance?
Rowing across the water is one of life’s great pleasures. But if the unexpected happens, the costs of repairing your boat or handling a third-party claim can be overwhelming.
For instance, if your boat is damaged during transport or you’re found at fault for an accident on the water, specialist rowing boat insurance would provide crucial financial protection.
Through GJW Direct, you can enjoy rowing with complete peace of mind, knowing you’re covered for the risks that come with being out on the water.
How much does rowing boat insurance cost?
It’s difficult to give an estimation for how much a rowing boat insurance policy will cost as several factors affect this, including:
- the boat’s value
- the type of cover you select
- your claims history
- mooring location
To get a clearer idea, you can get an instant online quote through GJW Direct now.
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 £120,000.
Rowing boat insurance FAQs
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It’s not a legal requirement, but rowing boat insurance is often a prerequisite for many sailing clubs and marinas. These clubs and waterways require insurance to ensure you’re covered for accidents, damage, or liability claims while out on the water.
Even if it’s not mandatory, insurance can offer valuable peace of mind, knowing that you’re protected against these risks.
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You don’t need a licence to operate a rowing boat, as it’s typically a small, non-motorized vessel. However, you may need one to access specific waterways in the UK, such as those managed by the Canal & River Trust, or in areas regulated by sailing clubs and marinas. It’s always a good idea to check local regulations and confirm with specific clubs or authorities before using these waters.
Discover our partner discounts
As a GJW direct customer, you’ll get access to a large selection of discounts. Explore the list of brands we work with.
Rowing boat guides
*GJW Direct has been arranging marine insurance since 1826
