Insensitive with rowing team as a heavy encumbrance (4,6)
I believe the answer is:
dead weight
'a heavy encumbrance' is the definition.
'dead weight' can be an answer for 'encumbrance' (I've seen this before). I'm not sure about the 'a heavy' bit.
'insensitive with rowing team' is the wordplay.
'insensitive' becomes 'dead' (I've seen this before).
'with' becomes 'w' (short for with).
'rowing team' becomes 'eight' (eight rowers).
'dead'+'w'+'eight'='DEAD-WEIGHT'
'as' acts as a link.
Can you help me to learn more?
(Other definitions for dead weight that I've seen before include "burden" , "An encumbrance" , "Total load on ship" , "Ship's heaviest load" , "Total cargo a ship can carry" .)