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Dinghies and small boats: brands, cover and insurance
Small does not mean harmless.
With dinghies and small boats liability is the more important half: damage to your own boat stays manageable, damage to someone else’s yacht in the marina does not. Check that capsizing and sinking are part of the hull cover.
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What matters for this class of boat
Check the liability sum: it should not shrink because the boat is small.
Check whether capsizing, sinking and grounding are part of the hull cover.
Check whether small boats get an agreed value or a scale based on age.
Check whether trailer and transport to the regatta are included or need a separate contract.
Brands in this class
69 brandsThese points apply to the whole class; each brand has its own page with models and years.
Dinghies and small boats: what to check in the insurance conditions
Value: cheap boat, expensive neighbour
A dinghy is worth little compared with what it can damage. The claim that hurts is the gelcoat of the yacht next to it, a crushed rudder at the club pontoon or an injured crew member after a collision. Liability is the part of the policy to read first, and the sum should be the same as for a large yacht, because the harm a small boat can do is not small.
Use: training, racing, club sailing
Dinghies are sailed by juniors, in training groups and in regattas. Check who is covered when someone else sails your boat, whether club racing is included and how the policy treats a capsize. A capsize is normal in a dinghy, not an accident, and the wording should not treat it as negligence. Boats owned by a club or a sailing school are usually insured under a different contract.
Transport and storage
Small boats travel on a trailer or a roof rack and live in a dinghy park, a garage or a club shed. Check that the hull cover applies on the road, at the regatta site and in storage, whether the trailer is part of the outfit or a separate item, and whether theft from an open dinghy park is covered without a locked gate.
Typical claims
A broken mast after a capsize, a lost boat after the mooring line parted, theft from the dinghy park and damage on the trailer are the usual claims. Ask how the policy settles a total loss on a boat of low value: an agreed value avoids a long argument about depreciation.
