Sailing Dinghy Insurance from E&L

Online Discount

E&L® Sailing Dinghy Insurance offers cover for a host of different types of dinghies including Lasers. Cover extends to equipment in use, during transit or whilst moored in a designated area. E&L® offer comprehensive, low cost insurance for your sailing dinghy.

  • 100% Fire, Theft, Accidental Loss or Damage cover included as standard
  • 90 days European Use included
  • Up to £2.5 million Public Liability, up to £15,000 Personal Accident, and up to £2,500 Personal Belongings cover
  • Hire of Replacement Equipment, Salvage Charges, Pollution and Sighting Costs, Wreck Removal and Trailer and Trolley cover also included
  • 10% online discount

For the keen boating enthusiast, purchasing your sailing dinghy and its related accessories can be expensive, yet exciting. Each year we spend hundreds of pounds ensuring that our car, home and contents are insured. So why should your dinghy be any different?

Dinghy insurance cover does not just protect you against fire and theft, but also provides comprehensive cover against collision. It is common knowledge that dinghies capsize, winds are prevalent to change and collisions are not unknown. Whilst most accidents may only result in a few scratches to your paintwork, more severe damage is indeed possible and unless you could afford to lose the money you have invested in your dinghy, insurance is the only option.

With the cost of sailing dinghies rising to over £5000 the importance of boat insurance is apparent. Taking out sailing dinghy insurance with E&L® allows you to enjoy your boating activities, with the peace of mind that should an accident occur, both you and your vessel are covered.

Check out or FAQ pages

Sailing Dinghy Policy Information

  Monthly1 Yearly
Fire, Theft, Accidental Loss or Damage Max 100% of agreed value Max 100% of agreed value
European Use 30 days per occasion (max 90 days per year) 30 days per occasion (max 90 days per year)
Public Liability £2.5m £2.25m
Hire of Replacement Equipment Up to 10 days £50 limit per day Up to 7 days £50 limit per day
Personal Belongings Max sum insured value £2,500 £250 single item limit Max sum insured value £2,000 £250 single item limit
Personal Accident £15,000 £12,500
Salvage Charges Max 100% of agreed value Max 100% of agreed value
Pollution Costs Max 100% of agreed value Max 100% of agreed value
Sighting Costs Max 100% of agreed value Max 100% of agreed value
Wreck Removal Max 100% of agreed value Max 100% of agreed value
Trailers and Trolleys 100% sum insured or market value if less 100% sum insured or market value if less

Excess

The excess is the amount you pay towards a claim. A £75 excess is payable for each and every claim except for total or constructive total loss claims. If claims are made under more than one section of cover, an excess will apply to each section of cover under which a claim is made. Claims for damage to underwater gear occurring in tidal waters are subject to a double excess.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Sailing Dinghy Insurance:

  • 10% online discount

The total maximum discount per policy is 20%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Sailing Dinghy Insurance the following conditions must be met:

  1. The policyholder is a UK resident aged over 18 years
  2. Craft must be under 30 years old
  3. Craft must be used for private/pleasure purposes
  4. Craft must be seaworthy
  5. Craft must not carry more than 12 people
  6. Covers motor or speed boats up to a maximum speed of 30knots
  7. The policy application is subject to a flood risk assessment.
  8. You must meet our security requirements

Please see the Sailing Dinghy Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our sailing dinghy insurance provides

Sailing Dinghy Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our sailing dinhgy insurance terms and conditions.

Sailing Dinghy Insurance Policy Wording

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Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Sailing Dinghy Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I covered for overseas travel with my sailing dinghy?

  • Yes. Cover is provided for up to 30 days per occasion, up to a maximum total in a year of 90 days while the insured sailing dinghy is being used on inland or coastal waters of the continent of Europe.

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  • Are my personal belongings covered whilst left on the dinghy?

  • Yes, up to a value of £2,500. Your immediate families' personal belongings are also covered under your policy. There is a maximum limit per item of £250, unless otherwise agreed with the insurer.

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  • Can I use my dinghy for racing and competing?

  • Yes, the craft can be used for racing, regattas or speed trails. You would need to specify what activities you do when you get a quote.

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  • What is the excess on my sailing dinghy policy?

  • A £75 excess applies to each and every claim except for total loss/constructive total loss claims. If claims are made under more than one section of cover, an excess will apply to each section of cover under which a claim is made. Claims for damage to underwater gear occurring in tidal waters are subject to a double excess charge.

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  • What is the maximum length that my dinghy can measure?

  • The maximum length that the dinghy can measure is 30ft. Any vessel measuring over this amount in length cannot be insured.

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