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Dinghy Insurance – Compare Cheap Quotes
Whether you own an inflatable dinghy, a rowing dinghy or a motorised dinghy with an outboard motor, if you plan to take it out on UK rivers, canals or lakes it would be a wise idea to take out dinghy insurance.
Not only is this type of insurance mandatory on many of the UK’s inland waterways, but it’s almost an important way to protect yourself against liability claims if you ever damage someone else’s boat.
So dinghy insurance is a legal requirement in the UK?
Boats that are used on UK inland waterways usually have to be insured, because they will require a waterways licence and you can’t get this licence unless your dinghy is insured.
The rules and regulations do vary a little depending on which Navigation Authority manages the inland waterways in your area, but the vast majority of authorities do require you to have boat insurance for any type of vessel you plan to use on rivers and canals, including small dinghies that don’t have an engine.
The reason for that is fairly straightforward – the insurance policy is intended to protect other people and their property when you take to the water, which is why you need third party only insurance at the very least.
Do I require dinghy insurance for lakes too?
Lakes are a little different – some do require you to take out a waterways licence (and therefore dinghy insurance) before you push off, but there are some lakes in the UK, including those in the Lake District, that don’t specifically require insurance.
What type of insurance do I need if I plan to take my dinghy out on the river?
Third party boat insurance is usually the minimum requirement for inland waterways, and in most places your third party boat insurance policy will need to provide at least £1 million of coverage.
How much does dinghy insurance cost?
When you’re insuring a dinghy your insurance provider will take a wide range of different risk factors into consideration when calculating your premium, so it’s impossible to give an idea of how much you’re likely to pay to insure your dinghy without taking these variables into consideration.
For instance, the type of dinghy you own, its estimated market value, its make and model, the year it was built, whether or not it has an engine and where you plan to sail it can all affect the cost of insuring a boat.
The best plan is to use our price comparison service to compare dinghy insurance quotes from a range of different providers, and then go with the one that offers the best coverage at the best price.