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Dinghy Insurance
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Specialist racing and sailing dinghy insurance
It’s easy to see why so many boaters choose sailing or racing dinghies as their boat of choice—nothing compares to the feeling of being out on the waves with the wind speeding you onward.
Specialist dinghy insurance through Craftinsure means you can sail or race confidently, knowing you’re covered against risks like injuries, third-party claims, and loss or damage to your vessel.
Why choose us
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20 years’ experience
We’ve been helping others enjoy their passion for over 20 years
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Quick, easy process
Our simple online quote and buy process allows you to be covered in minutes
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Up to £5m third-party cover
You can choose up to £5m of cover for protection against third-party claims
What does dinghy insurance cover?
Specialist racing and sailing dinghy insurance through Craftinsure can help protect you whether you’re competing in a race or simply enjoying a calm afternoon on the water.
Dinghy Insurance
- Full racing cover for mast, spars and sails
- Automatic cover for all levels of competition
- Loss or damage from fire or theft
- Loss or damage during transit by road
- Third-party liability cover up to £5m, including whilst using another boat of the same class
- Trailers and trolleys
- Others using your dinghy (with your permission)
- Up to 30 days use in continental Europe
- Wear, tear, depreciation or gradual deterioration
- Loss or damage due to the vessel being unseaworthy, left unattended float, or to personal effects
- Mechanical or electrical breakdown
- Operation outside of the territorial scope shown in the policy
- Wilful misconduct or recklessness by you or other persons in control of the vessel
Take a look at our Insurance Documents for full details of the dinghy insurance cover provided.
Why consider specialist dinghy insurance?
Dinghy insurance protects your finances if your boat is damaged or stolen, or if you’re held liable for injury to another person or damage to third-party property.
For example, a sudden gust could cause a capsize mid-race, snapping your mast. It’s a disappointing way to lose, but it’s even worse if you have to cover the cost of repairs yourself. Or maybe you’re towing your dinghy to an event and end up in a minor road accident.
Specialist dinghy insurance could help cover the costs in both circumstances, so you can return to competing and enjoying the water in no time.
Sailing dinghy insurance for everyday adventures
Whether you’re enjoying a quiet sail or joining a weekend club meet, sailing dinghy insurance through Craftinsure gives you protection to help you enjoy each trip. From damage caused by sudden gusts of wind to accidental collisions with other sailors, specialist cover protects you against the unexpected.
Craftinsure’s policies also ensure your dinghy is safe during transport to and from events or outings. Plus, with up to 30 days cover in continental Europe, you're free to set sail and explore new horizons.
Racing dinghy insurance
Gear up for race day with specialist cover
Racing dinghy insurance through Craftinsure covers a range of events, from local club racing to national competitions. Race fee cover is included as standard, so if your boat is damaged and you can’t compete, you won’t lose out on entry fees.
You’re covered to use your racing dinghy on inland and coastal waters in the UK and Republic of Ireland, plus up to 30 days in continental Europe, so you can head abroad for regattas or summer sailing without the stress.
With over 20 years’ experience in dinghy insurance, we’re trusted by sailors across popular classes like Mirror, Merlin Rocket, Wayfarer, GP14, Topper, and Laser/ILCA, and more. You’ll also benefit from up to £5m third-party liability cover, because on race day, peace of mind matters as much as performance.
Dinghy Insurance FAQs
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Several factors affect the cost of dinghy insurance, including your claims history and the class and price of your boat.
Get an online quote within minutes to discover the cost of your cover.
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Whilst dinghy insurance isn’t a legal requirement in the UK, most clubs and events require this. It’s a good idea to check this beforehand to avoid disappointment.
Or you may want to consider specialist insurance to protect yourself regardless, so you have peace of mind no matter where you sail or race your dinghy.
Through Craftinsure, you can get an online quote in minutes through our simple quote process.
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Yes—dinghy insurance through Craftinsure covers you to race or sail in continental Europe for up to 30 days.
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As a policyholder, you’re expected to keep your dinghy and equipment, including trailers, well maintained and do everything you can to protect them against evident dangers.
They should be securely tied down to the ground at dinghy parks when not in use.
Sails and foils should be removed and safely stored ashore where feasible.
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