Dinghy Insurance
| Insurer | Outstanding Policy Features | Quote |
|---|---|---|
| Cover reflecting the use of the craft, cruising, club racing or national; championship use. |  |
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| Noble Marine are specialist insurance brokers providing boat insurance for most types of pleasure craft based in the UK. | |
If you own a dinghy, you may not automatically consider insurance. Because they’re so small a lot of people assume that specific dinghy insurance isn’t required, when in reality it should be an essential consideration and, in some cases, is even a legal requirement.
Insurance for dinghies isn’t always a necessity, but if you consider the fact that there are literally thousands of accidents involving dinghies every year then you should soon start to see the benefits of having adequate cover. If you’re not insured and your craft is involved in an accident then you become personally responsible for all costs incurred, and where other boats are concerned this can quickly add up.
Then you need to consider the fact that dinghy insurance is a legal requirement if you want to moor or use your boat in certain areas, and it’s almost certainly a necessity if you want to race. Most clubs specify that you need to have appropriate insurance before you can join them as racing will nearly always lead to contact or collisions at some point, so it pays to be prepared.
When you’re looking for your insurance policy, there are a number of things that you need to be thinking about. The most basic cover that you’ll need is third party liability, but don’t forget about the risks of accidental damage, fire, theft or collisions, all of which can have serious financial consequences.
Luckily, this type of insurance needn’t cost the earth and most policies can start from as little as £20. The excess will also be relatively small and most companies will offer plenty of added extras, so make sure to do your research to see what you can find. But, always remember that there are often a few exclusions including wear and tear, loss of value because of old age or over use, minor damage during transport and corrosion, so make sure to check the small print to see what’s covered.
As you can see, having adequate dinghy insurance in place really is vital. It protects you financially in the event of an accident and means you’ll be allowed to race, and luckily you’ll be able to get fully-comprehensive policies to cover you for anything that could happen. As long as you double check what’s included and always go for the level of cover that you need (depending on whether your boat is for general use or for racing) you can be safe in the knowledge that you’re fully covered for anything that could happen.