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Canal and Narrowboat Insurance

Enjoy a life on the water with specialist canal and narrowboat insurance. 

  • Optional contents and personal possessions cover.
  • Accidental loss or damage (including accidental sinking) and third-party liability included as standard.
  • Get a £40 Amazon voucher when you buy a new policy over £250*
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If you need additional assistance arranging your insurance, find out how our teams can support

*Terms & Conditions - £40 Amazon Voucher offer

*A £40 Amazon voucher is available to new customers who purchase a boat insurance policy online where no code is needed or over the phone and quote the code AMAZON40. This offer is subject to an annual price of £250 (including insurance premium tax at 12% and our customer service charge) or above and cannot be used in conjunction with any other offers or discounts. In addition, it is not available on the Towergate Active product for small craft where the annual price paid is under £250. Cover is subject to your individual circumstances and our eligibility criteria. The voucher will be issued to you by email after 30 days on cover. If you cancel before you have been on cover for 30 days, you will not be eligible for the offer. Offer expires on 31/12/2024 but can be withdrawn or amended at any time if it is necessary to do so. Policies purchased after this date will not be eligible for the offer.  There is no cash alternative available, and we reserve the right to substitute a reasonably equivalent alternative, of equal value, should circumstances make this necessary.

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Why choose canal and narrowboat insurance with Towergate?

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Live aboard your narrowboat

Be prepared for a life on the water with optional contents cover.

Accidental Damage

Accidental damage and third-party liability

'Accidental loss or damage' to your canal or narrowboat covered as standard.

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Optional personal possessions cover

You can extend your policy to include personal possessions cover

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Pay by Direct Debit

You can choose to split your payment into ten monthly instalments. Please read our dedicated page on Direct Debit.

About canal and narrowboat insurance

Sun

Live aboard your narrowboat

Contents cover protects what you need for a life on the water. An optional list of items can be added to cover your craft against potential financial losses. You also have the option to extend your policy to include personal possessions cover (and to specify items that are over our single article limit).

Liability

Accidental loss or damage

Core cover includes “accidental loss or damage" to your canal or narrowboat. This extends to accidental sinking in locks for less experienced boaters.

People

Dedicated narrowboat claims team

Should you need to make a claim, we have a dedicated team on hand to authorise repairs or agree payments to get your canal or narrowboat claim settled as quickly as possible.

Care

Optional River Canal Rescue cover

There's nothing worse than being stranded on your narrowboat. That’s why we offer the option to include breakdown cover from River Canal Rescue as an additional extra. As a member, you will benefit from knowing that they are on hand should you suffer a breakdown (subject to a £50 call out fee). They operate 24 hours a day, 365 days a year.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 018 2292 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Canal and and narrowboat insurance FAQs

Narrowboat insurance aims to protect you, your craft and other users of the waterways. It does this by providing third party liability cover, cover for various parts of your craft which might get damaged or malfunction and cover for you and your passengers in the form of personal accident cover.

Our canal and narrowboat insurance covers the below as standard:

  • Fire, lightning, explosion
  • Theft, malicious damage and vandalism
  • Weather events
  • Freezing of machinery
  • Accidental loss and damage

The below are optional additional covers that you can choose to include:

  • Personal accident
  • Breakdown recovery
  • Marina benefits
  • Protected NCD
  • Legal cover

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

If you moor in an approved marina, we won’t charge any excess on claims involving loss whilst the boat is in the marina. Let us know which marina you moor in to claim this benefit.

Yes, you can travel along inland tidal stretches provided it is only to enter or leave the non-tidal system. Our friendly specialists can help to advise you on this where necessary.

If the craft is your prime and sole place of residence then the gold and platinum versions of the policy can include our residential extension option.

This includes personal liability insurance of £2,000,000 for claims made against you or a member of your family permanently living with you and replacement as new cover for the contents of the craft insured under the policy covering all your household goods, personal effects and valuables kept on board the craft. There is a single item limit of £2,000 for any one item or collection unless disclosed to underwriters and high risk items should not exceed one third of the total sum insured.

In addition you can add business equipment kept on board up to £3,000.

  • Personal possessions (such as jewellery, photographic equipment, sports equipment and clothing and personal effects) are covered away from the craft with a single item limit of £1,000
  • This section excludes items over £1,000, mobile telephones and lap top or tablet computers but these can be insured as separate items
  • Pedal cycle insurance is also available

You can purchase a policy with us through our online quote and buy system or by speaking to one of our friendly specialists. It’s important to get your cover right, so we always recommend speaking to the team if you are unsure. Our Cruise Policy offers cover for those that liveaboard their vessel.

Once it reaches 30 years of age, we will need to see a survey detailing the condition of your narrowboat. This can coincide with your BSS certification. Thereafter, you will need to provide us with a survey every five years going forward.

For insurance purposes, the BSS certificate does not provide enough information for us to fully understand the condition of your narrowboat. A full survey is required as it includes a hull condition report too.

Yes, we also provide liability for those actively using older boats on slipways or launching onto the water. This third-party cover product includes the removal and disposal of wrecked craft, as well as the re-floating and removal of damaged craft (under 60 years old).

Yes you are able to view your policy online. You simply need to login to your portal or register for an account. To register you will need to enter your policy number, email address and correspondence postcode. All can be found in your policy documents.

Yes, you are eligible for our online portal. You simply need to login to your portal or register for an account. To register you will need to enter your policy number, email address and correspondence postcode. All can be found in your policy documents.

To register for an account you will need to create a portal. When registering, we will need your Policy reference number, correspondence postcode and email address - all can be found in your policy documents.

If you would prefer to spread the cost of your rowing boat insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

It is very important to read your policy documents in detail to understand what’s covered and what is not. Listed below are a few key exclusions you definitely need to know about.

Personal accident cover won’t cover individuals over the age of 76 –If you’re over the age of 76 and you have an accident, the personal accident aspect of our cover will not apply. Other cover relating to the craft however, is not affected by your age. Personal accident cover is only available on private pleasure craft policies. Not included on residential or commercial policies.

Wear and tear not covered – If your craft is under three years old, we can provide mechanical failure cover (see above). Wear and tear however, is not covered at all.

Corrosion – Rust is fairly unavoidable, keep an eye out for it and try to prevent it before it causes serious damage as unfortunately, it isn’t covered by our policy.

Loss of value due to age, use or repair – Depreciation is not covered by our narrowboat policy.

Replacements beyond the sums insured on your policy – This policy works on a market value basis. Therefore it’s important to know the true replacement value of your narrow boat. You will be unable to claim for a replacement narrow boat above the value you give us. If you’re unsure of the value of your narrow boat, a marine surveyor will be able to make an assessment and give you an accurate value.

Read more FAQs

Canal and narrowboat insurance articles

Creative Storage Ideas for Narrowboats

There are many perks to owning a narrowboat but downsizing from a house to a boat can be difficult. We’ve got some ideas for utilising space in your boat.

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Interior Design Ideas for Your Narrowboat Home

So you’ve finally taken the plunge and bought your very own narrowboat, now you’re faced with the exciting yet daunting prospect of turning it into a home.

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Living in London: Cost of Living on a Narrowboat versus in a Flat

Thinking of getting on the property ladder? This article compares the cost of living in London on a narrowboat against a London flat.

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The First Time Owner's Guide to Buying a Narrowboat

We've put together a guide and checklist for anyone who is thinking of taking the plunge and buying a narrowboat.

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Narrowboat Maintenance Guide

From quick once-overs to scrupulous surveys, our guide makes caring for and servicing your narrowboat nothing but plain sailing.

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Narrowboat Winterisation and De-Winterisation

Winter can be a tough time on your narrowboat. So proper preparation is vital for smooth sailing. In this article, we cover all the necessary information to ensure you run with no issues.

Read more