Sailing Insurance

Why do I need sailing insurance?

Whether you’re sailing as a hobby, as part of a competitive team or in a teaching environment, sailing is extremely exhilarating. But the wind and water can be unpredictable, meaning injury and damage to property could happen. Your sailing equipment can also be lost, stolen or damaged before, during or after a sail or a training session.

Insure4Sport’s sailing insurance is tailored to protect sailors and instructors from the unexpected, so you can keep your mind on the open water ahead. However, if your vessel is more than 8 metres in length, you’ll need to check out our sister brand Insure4Boats.

What does sailing insurance cover?

Public Liability cover against injury or property damage:

If you teach sailing, you could be left in deep water if an injured student makes a claim against you. They could be hit by the boom or slip and fall overboard during a sailing lesson and hold you accountable.

That’s why Insure4Sport offers Public Liability as part of our sailing insurance. It covers your legal liability if a claim is made against you for injury or property damage, meaning these claims won’t cause permanent damage to your sailing instructor business.

• Our Public Liability cover starts at £1 million, which costs just £5.85 per month* for instructors or £1.57 per month* for participants and teams.
• You’ll also get £1 million Professional Indemnity FREE when you take out Insure4Sport Public Liability, which protects you against any claims arising from sailing advice you have given.

Personal Accident cover if you require treatment:

Back and hand injuries, as a result of winch turning, are among some of the most common sailing injuries. And recovery from these sorts of injuries shouldn’t be rushed. If you need physiotherapy, break a bone or are in hospital for more than 48 hours, then Insure4Sport’s Personal Accident cover can compensate you. Loss of Earnings cover is also available with Personal Accident.

• Insure4Sport provides up to £50,000 Personal Accident cover, with prices starting at just £1.13 per month for £10,000 of cover* for both instructors and participants.
• If you’re concerned about losing your income whilst recovering, we offer optional Loss of Earnings cover from £2.25 per month* for both instructors and participants.

Compensation for equipment repairs and replacements:

Insure4Sport’s Equipment cover, with a maximum of £2,500 per single item, ensures your equipment can be repaired or replaced with as little disruption as possible, meaning you’ll be back gliding along the water in no time if something goes wrong.

• Instructors, participants and teams can cover their equipment against loss, theft or damage for as little as £1.13 per month for £250 of equipment*.
• If an item is under a year old - and it was bought new - we’ll replace it New-for-Old. We’ll also pay for repairs or replacements required up to the figure stated in your Insurance Schedule.

Why choose our sailing insurance?

Insure4Sport’s sailing insurance lets you tailor your policy so you’ll never pay for more cover than you need. You can create and buy your ideal policy knowing you’ve got the best cover for the best price thanks to our Lowest Price Guarantee. Get an instant online quote here and make sure it’s plain sailing from now on.

*Price includes introductory 10% discount and correct as of February 2018