Dinghy Boat Insurance

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Dinghy Boat Insurance

Dinghy insurance provides protection for your dinghy or small boat in case of theft or accidents. Even a small incident can cause significant damage or loss to your dinghy, and replacing it can be expensive. With dinghy insurance, you can have peace of mind knowing that your dinghy will be protected in case of any unexpected events.

Taylor Watkins provides a fast, accurate quote so you can protect your dinghy boat as quickly as possible and sail safely. We consider the whole market to ensure objective quotes at the best prices.

Who Is Dinghy Boat Insurance For?

Any dinghy owner will benefit from insuring their dinghy whether they use it for recreational purposes or as part of their business. Some marinas and boat clubs may even require you to have dinghy insurance before you can take it out on their facilities. 


What Does Dinghy Insurance Cover?

Dinghy insurance typically covers damage, theft, and liability for accidents. Some policies may also include coverage for personal injury, equipment, and emergency assistance such as towage. Common forms of coverage included in dinghy insurance include:

  • Accidental damage coverage: This will generally cover any accidental damage to your dinghy caused by events such as collisions, grounding, or equipment failure. 
  • Theft coverage: This protects you if your dinghy is stolen or vandalised. 
  • Fire and storm damage coverage: This protects you in case your dinghy is damaged by fire, lightning, or severe weather. It will allow you to repair or in some cases replace your dinghy.
  • Liability coverage: This protects you if you cause damage to other people’s property or injure someone while using your dinghy. It can help you to pay legal or medical fees, for example.

What Is Not Covered by Dinghy Insurance?

Most dinghy insurance policies do not cover the following:

  • Normal wear and tear
  • Maintenance
  • Damage resulting from normal use of the boat

You may also need a specialised insurance policy if you plan to race your dinghy or use it for commercial purposes. 

How Much Does Dinghy Insurance Cost?

The annual premium for dinghy insurance ranges from a few hundred dollars to a few thousand dollars, but the cost depends on several factors, including:

  • The value of your boat
  • The age of your boat
  • The condition of your boat
  • Where you store your boat
  • Your location
  • Your intended usage
  • The add-on coverage options you choose

However, to get an accurate, personalised quote, get in contact with us online or by telephone. We can give you a personalised quote as soon as possible, often even within the same day.

How Do I Get Dinghy Insurance?

You can get dinghy insurance from many insurance providers, including specialised boat insurance companies and general insurance companies. Your first step is to look at all the insurance providers offering cover for dinghies. You can either do this manually, checking each provider one by one, or you can apply online or by telephone for a fast, obligation-free quote.

You may need to provide information such as the dinghy’s make and model, age, and value as well as your own boating experience, such as your qualifications and any past insurance claims.

Once you have found the policy that gives you the best level of coverage for your budget, you will need to read their terms and see exactly what the policy covers and what it excludes, as well as any deductibles or other terms and conditions.

If you are happy with the terms offered, you can follow the insurance provider’s protocol and receive a certificate to show that you are fully insured.


What Should I Consider When Choosing Dinghy Insurance?

When choosing dinghy insurance, try to consider the following factors:

  • Coverage: Make sure the policy covers the types of risks that are relevant to your boating activities. Check whether you might want coverage for accidental damage, theft, liability, personal injury, and emergency assistance, for example.
  • Deductibles: Consider the amount of the deductible you may have to pay out of pocket before your insurance kicks in. 
  • Liability limits: Make sure the policy provides enough liability coverage to protect you in case of any damage or injury you cause to other people or their property.
  • Exclusions: Make sure you understand what is not covered by the policy and whether there are any restrictions or exclusions that may affect your coverage. Consider whether you are comfortable with these exclusions.
  • Reputation: Choose an insurance provider with a good reputation for customer service and claims handling. Check testimonials from other customers, or search for a provider through a middleman who carefully vets each provider. 
  • Budget: Consider the cost of the policy and whether it fits within your budget.

Why Use Taylor Watkins For Small Boat Insurance?

At Taylor Watkins, can match you with the most comprehensive and flexible cover for your dinghy. Our specialist policies match you to the ideal policy whatever your specifications, as quickly as possible.

We consider the whole market, enabling us to provide you with an objective quote. All our quotes are obligation-free and tailored to your own unique requirements. Protect your dinghy through Taylor Watkins to get the best policy at a price that suits your needs.



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