royal yachting association

The Gallagher Difference

Royal Yachting Association (RYA) Affiliated Clubs, Recognised Training Centres and Affiliated Organisations face a diverse range of risks that can often require complex insurance programmes that include specific elements of cover.

With our 40 years of experience offering a bespoke product, tailored to meet the needs of these groups through a specialist and dedicated team means that we are the preferred insurance provider of choice for many RYA affiliated/approved organisations.

Why Gallagher?

  • Specialist proposition for RYA Affiliated Clubs and Training Centres
  • RYA endorsed insurance partner for over 40 years
  • Gallagher arrange cover for 85%** of RYA Affiliated Clubs
  • 98%** of Clubs insured with Gallagher renew their policy
  • Dedicated RYA Gallagher assigned account management

RYA Combined Insurance

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

  • Public & Product Liability: Including Member to Member Liability and Training extension including full Professional Indemnity coverage
  • Employers’ Liability: If you have employees (including volunteers) you may require this cover by law
  • Property ‘All Risks’: Including Clubhouse, Outbuildings, Marine Installations, Contents/Fixtures & Fittings, Consumables and Bar Stock
  • Business Interruption: Loss of Revenue, Additional Increased Cost of Working, Loss of Rent payable/receivable & Loss of Revenue (Marine) extensions available
  • Loss of Licence: Loss of revenue following loss of licence for the sale of alcohol
  • Deterioration of Stock: Covering refrigerated/frozen stock in the event of equipment breakdown and/or failure of public utilities
  • Cups, Trophies & Specified Items: Covering any specified item and unspecified cups/trophies anywhere in the UK on an ‘agreed value’ basis
  • Money: Covering cash in trust including when in safe, in transit or at the home of an authorised official
  • Personal Accident: Providing cover to specified persons whilst carrying out duties
  • Boats: Including outboard engines, trailers, etc. whilst in transit and temporarily in use within Europe for up to 30 days per year. Cover incorporates Marine Third Party Liability to mirror the chosen Public & Products Liability indemnity limit. Cover extension also available upon request t cover loaned/borrowed boats not owned by the Club/Training Centre/Organisation
  • Directors’, Officers’ & Trustee Liability: Legal defence costs and valuable added protection for individuals operating on behalf of the Club/ Training Centre
  • Commercial Legal Expenses: Legal defence costs in respect of Employment Disputes, Contract Disputes (including Tenancy), Tax/VAT Investigations plus 24-hour Legal Helpline
  • Special Types Motor: Following recent changes to the Road Traffic Act Law, Tractors and other mechanically propelled plant used within a ‘public place’ must now be insured under specific motor insurance policy
  • Engineering Inspection: Providing statutory inspection of plant and equipment on a 6 or 12 month frequency as required under HSE (LOLER) regulations
  • Cyber Liability Insurance: Providing cover for consequential losses as a result of a data breach, costs to ensure that you comply appropriately with GDPR following a breach and cover against Civil Fines/Penalties levied by the Regulator following a breach. Cover can also be extended to include Social Engineering/Fraudulent Transfers, providing an added layer of protection for your organisation
rya affiliated clubs

Insurance Solutions

for RYA Affiliated Clubs, Recognised Training Centres, and Affiliated Organisations

More Information

Contact the dedicated RYA team at Gallagher today to review your insurance programme.

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*Gallagher RYA Combined Insurance Policy customers automatically benefit from the following at no additional cost: Online Health & Safety Click (Risk Management Tool), Gallagher Business Assist (Claims Service), Interest-Free Monthly Instalment Plan


*Interest free direct debit service is provided by Zurich Insurance Company Ltd t/a Navigators & General, the credit decision may include a credit check being carried out. Please note that Zurich Insurance Company Ltd has its own set of terms, conditions and charges and you should familiarise yourself with these carefully.


Policy limits and exclusions may apply, please see policy wording for full terms & conditions.


* *Based on live policies between 1 January 2023 - 31 December 23