Protect your business with a pay as you go monthly subscription
- Get covered in less than 10 minutes
- Adapt or cancel your policy at any time. No penalties
- Cover starts from just £5.13 per month
Dinghy specialises in business insurance for freelancers and self-employed workers. Work patterns for these workers can be a bit unpredictable, so Dinghy’s cover is more flexible than what you’ll find from some providers.
Founded in 2017, Dinghy’s main unique selling point is that it allows its customers to turn their insurance off and on (or up and down) with ease, only charging them for insurance when they need it.
You get a daily quote for your cover and pay for what you’ve used at the end of the month.
Applying for Dinghy insurance only takes minutes, and you can manage your policy all within the Dinghy smartphone app.
Dinghy has partnered with Allianz, one of the world’s largest general insurers, to offer cover for freelancers.
You can choose policies that cover professional indemnity only, professional indemnity and public liability, or all three of these scenarios.
All of Dinghy’s policies include a feature called “Freelance Assist”, which offers professional assistance for tax, legal advice, mental health support and chasing debts.
Dinghy is one of the only business insurance providers to charge you by the day and allow you to turn your insurance off when you’re not working.
The daily cost will be determined by what level of cover you choose, what your job is, how much equipment you want to insure, the number of employees and clients you have plus many other factors.
You can make a claim by signing in to the Dinghy website and clicking on the “Claims” tab. You’ll be presented with a list of five options for what type of claim you want to make:
Dinghy’s claims team works 24/7 to help customers with claims for damaged business equipment or cyberattacks.
It works between the hours of 0900 and 1700 on handling professional indemnity or public liability claims.
You can manage your Dinghy account through its smartphone app.
You can also contact the insurer by calling 0116 380 5654 or emailing hello@getdinghy.com.
In February 2021, Dinghy had attracted 147 reviews on customer review platform Trustpilot, achieving an average rating of 4.8 out of 5 stars.
This revolutionary approach to business insurance could save freelancers a lot of money if they’re willing to spend time tweaking their insurance in the Dinghy app.
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