Dinghy Insurance

What GJW Direct insurance customers think

• Refund of race entry fee

  If you enter a Dinghy race and the open meeting is abandoned because of adverse weather, we will refund your entry fee if you are unable to recover it from the organisers up to an amount of £20 for five days.

• Personal belongings & kit bag cover

  We cover sailing clothes and personal items normally worn or carried on your Dinghy and whilst on or around your Dinghy, including those items kept in your Dinghy kit bag up to an amount of £350.

• New for old on all items

  We will not reduce the amount you are claiming for your Dinghy or other insured property if we replace old materials with new.

• No age limit on user or Dinghy

  We do not impose extra terms or conditions because of the age of your Dinghy.

• Full racing risk cover

  We insure loss or damage to your Dinghy's mast, spars, sails and standing or running rigging whilst you are racing. We do not reduce your claim if we replace old materials with new and we will not reduce your claim because of the age of the materials.

• Legal Protection cover

  We cover your legal expenses up to £25,000 to pursue damages for injury or death or out of pocket expenses following damage to your Dinghy or for the defence of criminal prosecutions brought against you.

• Personal Accident cover

  Our Dinghy Insurance covers you and any other person using your Dinghy with your permission for accidental bodily injury or death whilst using your Dinghy up to a maximum amount of £20,000 any one person and in respect of any one event.

• Medical Expenses cover

  We cover you and the crew of your Dinghy for Medical Expenses incurred by you and/or them arising out of personal injuries caused by any of the perils covered under your Dinghy Insurance up to £1,000 any one occurrence.

• No excess on third party claims

  We do not apply the policy excess to any claims in respect of liability.

• Third party liability of £5,000,000

  We cover you and any other person using your Dinghy with your permission for legal liability to another person arising out of interest in use of your Dinghy up to a maximum of £5,000,000.

• Transit and trailer cover

  We cover your Dinghy and trailer, (if requested) for transit by road within the cruising area specified on your Dinghy Insurance Certificate. We do not cover your liability for the trailer while attached to a towing vehicle or as a result of accident on the highway or public or private place. This ought to be covered by your motor insurance policy.

• Simple online claims procedure and rapid claims settlement

  Our philosophy is simple. We pay claims fast and fairly. You can complete the Dinghy claim form on our website and submit it to us electronically. We will, unless you specifically advise otherwise, correspond by email to ensure your Dinghy claim is dealt with as quickly as possible.

  Subject to the terms and conditions of the GJW Direct Dinghy Policy

• 30 days European (EEA) cover

  We cover your Dinghy in EEA countries and Switzerland for up to 30 days per trip. EEA countries are Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, UK. If you use your Dinghy in either Italy, Spain or Greece you ought to contact us first so we may issue you with the certificate of compulsory insurance for those countries.