Whether you’re living on your narrow boat or cruising Britain’s canals on your holidays, we have features to keep you afloat along the way
If you choose to live aboard your narrowboat and reap the benefits of life on the water, we can cover up to £25,000 of possessions with a limit of £5000 for any one item on our Silver, Gold and Platinum policies. If you require accidental damage (if drop your laptop for example), we need to know a little more about the items you would like covered so it’s best to have a chat with the team. This cover is only available on our specialist live aboard insurance policy to qualify for this cover your narrowboat must be your only residence.
Meandering through the UK’s narrow canal system, navigating locks along the way can be tricky business and you never know what is lurking under the water’s surface. So for your peace of mind our Gold and platinum policies both cover accidental damage, including any underwater machinery. Gradual damage caused over time by the natural wear and tear of your narrowboat is not included in the policy cover. Here’s a tip though, keeping your narrowboat in tip top condition throughout the year will help to avoid this sort of damage becoming a problem.
You can call upon the River Canal Rescue team 24 hours a day and 365 days a year. On calling you will receive practical and technical telephone assistance and where necessary a mechanic can be sent to assist you. Fingers crossed you won’t need it but this is available for up to two breakdowns per year and is an optional extra on our Silver and Gold policies. If you have a Platinum live aboard policy with us then you will receive this cover as standard. RCR cover is only available to the narrowboat insurance policy holder, friends or family who require assistance can still use the cover for just £40 a time.
This isn't about damage you sustain to your boat, it's about damage that you may cause to other people's property or injury you may cause to a third party while you are out in your narrow boat. So if you were to damage a lock in the course of passing through, public liability cover would mean you insurance will pay for the damage. This is important to have just in case and is covered across all four of our narrow boat policies. Injury you cause to yourself or members of your family is not included as part of this cover and comes under the personal accident section of the policy so if this is something you require please ask the team.
We like to make it easy for you to choose the right policy for your boat. Compare our levels of cover in a glance using this handy table.
|Fire, lightning, explosion||•||•||•|
|Theft, malicious damage or Vandalism||•||•||•|
|Freezing of machinery||•||•||•|
|Accidental loss or damage||•||•|
|Breakdown and recovery assistance||•|
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
If you are broken down and need to contact River Canal Rescue you can do so on 01785 248 793.
Photographs of any damage will help your claim along so please take a few photographs where possible
Start by giving us a call on:
Our claims team are available from 9am-5pm, Monday to Friday, to assist you with what to do next.
Get tips and advice from our industry experts to ensure you get the best out of your boat insurance.
Preparing your narrowboat for winter and likewise getting it ready for the new season is imperative to your craft's longevity. In some cases it will also help avoid damage to parts of your boat.
A break down can really make your canal trip turn sour. The following series of articles will help you avoid breakdowns. The following guides will also help you locate and fix problems if they should arise.
Inland waterways have been pivotal to the UK transportation system for centuries. Our infographic picks out a few of the key points in the history of our inland waterways and explains how they have been and always will be a strong part of our national heritage.
Yes, you can travel along inland tidal stretches provided it is only to enter or leave the non-tidal system. Our inland waterways expert, Michael Stimpson, can help to advise you on this where necessary.
You can purchase a live aboard policy with us through our online quote and buy system or by speaking to one of our helpful boat team. It’s important to get your cover right, so we always recommend speaking to the team if you are unsure about any of the cover or requirements to do with our policy.
Once it reaches 25 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 six years going forward.
For insurance purposes the BSS certificate does not provide enough information for us to fully understand the condition of your narrow boat. A full survey is required as it includes a hull condition report too.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal 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.
By signing up to Towergate’s newsletter you are agreeing to receive quarterly email communications containing a range of news, top-tips, competitions and occasional offers for insurance products and/or services. Our newsletters are designed to keep you up to date with what we’re involved in, as well as other advice and content that we think you might find interesting.
Should you wish to unsubscribe please click here, or email with your details so we can carry out your request.