Rowing has become an extremely popular sport in recent years, with the membership of the Amateur Rowing Association rising to over 22,000 individuals. With more people on the water, there is an increased risk of an accident occurring, and with rowing boats being a relatively big investment, it is essential that owners obtain satisfactory rowing boat insurance. No insurance provider can guarantee that nothing adverse will happen, they can help to provide a financial comfort should an incident occur.
When youre out on the waters you can row confidently when you know that you are completely protected by your insurance cover. Third party liability cover is the basic level of rowing boat insurance, and should come as a minimum in any insurance package, but ensure that you check and dont assume anything when it comes to insurance policies.

Although third party cover is the most important cover as it doesnt only protect your pockets, but everyone else around you too, it is not the only cover you should seek to obtain. If you hold this basic level of cover and your rowing boat is stolen, damaged on the water or in transit, set on fire, lost or subject to any other risk, you will not be covered. For complete sound of mind, you should always opt for a comprehensive rowing boat insurance policy where possible as this level of cover will also protect your vessel. Theft is usually a major risk to rowing boats, and as they can be quite expensive, it is important that youre not left out of pocket.

Similarly to any other marine insurance, there are some general exclusions to most rowing boat insurance policies. These can include depreciation in value due to age, wear and tear, and minor damage during transit so it is important that you read the small print. It is also worth discussing your cover when in transit with the provider as this is not always included into a rowing boat insurance policy as standard. To make sure that you and others are not left in financial difficulty, obtain an adequate level of protection with rowing boat insurance.