Rowing Boat Insurance
| Insurer | Outstanding Policy Features | Quote |
|---|---|---|
| Third party liability cover. Automatic transit cover. |  |
|
| Cover for theft, fire, accidental damage and third party liability. Cover while racing and while in transit. Automatic cover for 30 days use in Europe. | |
Rowing boats are loved by many, and if you’re one of them it would probably be wise to invest in rowing boat insurance. At first glance it may not seem particularly important – after all, how much damage can a rowing boat do? – but in reality it could be one of the best decisions that you ever make.
By having rowing boat insurance under your belt you can get rowing in complete confidence, safe in the knowledge that you’re completely covered. Third party liability should always be included as standard, as if you’ve been in an accident before in any walk of life I’m sure you know how quickly those costs can add up.
It’s also essential to have your craft covered against theft, loss or accidental damage both whilst in transit and when on the water, because you never know when damage could occur. Theft is particularly important to consider as these vessels can often be quite expensive, and if you don’t want to lose out financially always have adequate insurance in place.
There are some caveats to insurance for rowing boats, so always read the small print to make sure that you’re aware of any related exclusions. General exclusions tend to be things like minor damage during transit, depreciation through age, use or repair, personal effects cover and general wear and tear, but there could be others.
It’s also worth double checking your liability cover when in transit, as some policies won’t include this thinking that your car insurance policy will already have a clause around towing boats on the road. Always make sure to check as you don’t want to become unstuck, and don’t worry – although these exclusions sound far-ranging most things will be covered. You could even find yourself with some welcomed extras, so always look around.
This type of insurance is incredibly specialised and as such it could take a while to find suitable cover. This is why it’s even more important to do your research to see what’s out there – don’t get frustrated and buy the first policy that you come across as there’s no way of knowing that it’s the right one, so always compare as many options as you can to ensure your chosen policy fits your needs and your price range.
So, although rowing boat insurance may initially seem like an unwanted purchase, it certainly pays off in the long run. Don’t begrudge paying out for it because when you need it you’ll realise how important it is, and always spend the time to find the right policy to give you the best cover possible.