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Protecting your passion for boating

Whether you enjoy relaxing in the marina or to venture further afield for your boating adventures, our boat insurance has been created with you in mind.

As an annual MDL berth holder, at Towergate Insurance we offer a 20% discount when you buy or renew a policy,* alongside an enhanced range of features and benefits.

At Towergate our policies include:

  • No Claims Discount to recognise careful ownership. 5% discount per year up to 25% discount for five years, with no claims protected in an MDL marina or if the loss occurs in a marina that is part of the Freedom Berthing / Berthing Plus Otium scheme.
  • Marina ready - £5m liability cover for third parties and passengers excluding employees and marine trade workers, fare paying passengers, water skiers, parascenders and divers.
  • Covers single-handed use for up to 24 continuous hours for avid UK and Med sailors.
  • Keeping you and your family safer if you think you’ve grounded; you pay the excess and we’ll pay for the lift to check for damage, with no excess charged in an MDL marina.
  • Free tender insurance up to £2,000 and associated outboard up to £1,000, providing an approved outboard motor lock is in use.
  • Up to £5,000 loss of berthing feeds when you are unable to use your berth due to an insured event (excluding costs recouped by MDL).
  • Loss of keys (£500 limit for any one claim) - Up to £2,000 per year.
  • Cover for misfuelling (£500 limit for any one claim) - Up to £2,000 per year.
  • Should you need to make a claim, we have a team on hand to authorise repairs or agree payments, to get your claim settled as quickly as possible. For more complex claims, a specialist handler will be assigned to manage and lead you through the process.

To get an insurance quote for your craft, visit the Towergate website or call 0344 892 1586 today.

20% discount will be applied to the premium, before Insurance Premium Tax and Customer Service Charge. Minimum premium of £100 for RIB and £75 for all other craft is applicable. The discount is not applicable on dinghies. Discount is only valid for MDL berth holders. Discount is subject to underwriting acceptance. Available to UK residents only.
MDL Marinas Group Limited is an Introducer of Towergate Insurance. Towergate Insurance is a trading name of Advisory Insurance Brokers Limited. Registered in England Company No. 4043759. Registered Office: 2 Minster Court, Mincing Lane, London EC3R 7PD. Authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA’s register by checking the FCA website at or by contacting them on 0800 111 6768.

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