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  • E&L® rowing boat insurance offers comprehensive cover for pleasure, racing, speed trial and regatta use
  • 100% fire, theft, accidental loss or damage
  • 90 days per year European use as standard
  • Up to £2.5 million public liability, up to £15,000 personal accident and up to £2,500 personal belongings cover
  • 10% online discount

There are now over 22,000 individual members of the Amateur Rowing Association. This increase in popularity of the sport means there are more people on the water escalating the risk of an accident occurring. Alongside this fact, buying and owning a rowing boat is a large investment. Although we can't guarantee against the unexpected happening, E&L® Boat Insurance can help ease the financial burden should something go wrong.

Personal Accident and Public Liability cover comes as standard, so you can be safe in the knowledge that you and your equipment have the protection you require. Rowing Boat Insurance from E&L® is a safeguard, a must if you don't want to lose out financially.

Check our FAQ pages for any questions you may have

Rowing Boat Policy Information

  Rowing/Sculls Fours/Eights
  Monthly1 Yearly Monthly1 Yearly
Fire, Theft, Accidental Loss or Damage

In the event of fire, theft, accidental loss or damage we will pay up to the agreed value.

Max 100% of agreed value
European Use

Cover provided for up to 30 days per occasion, up to a maximum total in a year of 90 days while the insured rowing-boat or kayak is being used on inland or coastal waters of the continent of Europe.

30 days per occasion (max 90 days per year)
Public Liability

Your legal liability to a third party for the amount you become legally liable to pay as a result of your interest in the insured rowing-boat or kayak.

£2.5m £2.25m £2.5m £2.25m
Hire of Replacement Equipment

Cover for the reasonable costs incurred to hire a craft similar to yours if it becomes unusable for more than 24 hours because of loss or damage covered under your policy and cannot be repaired or replaced before a planned holiday.

Up to 10 days
£50 limit per day
Up to 7 days
£50 limit per day
Up to 10 days
£50 limit per day
Up to 7 days
£50 limit per day
Personal Belongings

We cover you for the loss of or damage to personal belongings as defined in this policy belonging to you or your immediate family.

Max sum insured value £2,500
£250 single item limit
Max sum insured value £2,000
£250 single item limit
Max sum insured value £2,500
£250 single item limit
Max sum insured value £2,000
£250 single item limit
Personal Accident

Cover following accidental bodily injury resulting in a) death b) loss of total sight c) loss of two or more limbs d) deafness in both ears e) permanent total disablement following an accident. Benefits reduced to 25% for any persons aged over 75 or under 18 years of age.

£15,000 £12,500 £15,000 £12,500
Salvage Charges

We cover the reasonable costs incurred in minimising or averting loss or in saving the craft from a loss which would be covered under your policy.

Max 100% of agreed value
Wreck Removal

We cover you for the reasonable costs for the removal, destruction or raising of the craft wreck, including unsuccessful attempts, which become necessary as a result of a loss which would be covered under your policy.

Max 100% of agreed value
Trailers and Trolleys

We provide cover for your trailer or trolley against fire, theft following forcible entry, or accidental damage when specifically insured under this policy if normally used for transporting your craft, up to the cost price, market value or the sum insured amount (whichever is less).

100% sum insured or market value if less


The excess is the amount you pay towards a claim. A £60 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.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Rowing Boat 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® Rowing Boat 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. Craft storage has not been flooded or been affected by tidal surges in the past 5 years
  7. The policy application is subject to a flood risk assessment.
  8. You must meet our security requirements

Please see the Rowing Boat Insurance Policy Wording for full eligibility criteria.

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.