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Narrowboat Insurance

Narrowboat insurance for canal boats across the UK

  • With you from narrowboat insurance quote to claim
  • Four levels of cover available with policies for leisure or living aboard
  • River Canal Rescue cover is included for our platinum policy holders

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Or speak to one of our friendly UK-based advisers

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
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Our narrowboat insurance features

Liveaboard insurance

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 £2000 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.

Accidental damage

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.

Breakdown cover from River Canal Rescue

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.

Public liability

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.
Third party
Fire, lightning, explosion  
Theft, malicious damage or Vandalism  
Weather events  
Freezing of machinery  
Accidental loss or damage    
Personal accident      
Breakdown and recovery assistance      

Narrowboat Insurance Claims

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

Need to claim?

Start by giving us a call on:

0330 018 2292

Narrowboat Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your boat insurance.

narrowboat news image


Narrowboat Winterisation and De-Winterisation

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.

Lancaster Canal


Top 10 Scenic UK Waterways

Few experiences can match up to boating on one of the UK’s waterways so we’ve put together a top ten list of our favourite canals and rivers so you can enjoy some of the best of the UK from your craft of choice.

Narrowboat on water - news image


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

As the cost of living in London continues to increase, many people are considering alternative living arrangements, including narrowboats. This is a huge lifestyle change that more people are investing in, but will it actually save you money? This article compares the cost of living in London on a narrowboat against a London flat.

Narrowboat Insurance FAQs

What happens if I cannot visit my boat during the Covid-19 pandemic?

We understand that due to the Covid-19 outbreak you may be unable to visit your boat. Read our FAQs for this situation.

Am I covered for navigating interconnecting tidal stretches?

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.

How can I buy a live aboard narrow boat policy?

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.

At what age will my narrowboat need a survey?

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 5 years going forward.

Will a BSS certificate suffice in place of a survey?

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.

Can I pay in instalments?

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.

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