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Canal and Narrowboat Insurance

Insurance for inland cruising or living aboard

  • Liveaboard – wide range of contents cover
  • Optional Personal Possessions cover
  • Dedicated claims team on hand to authorise repairs and payments

Complete a quote and buy your policy online

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If you need more assistance, talk to one of our friendly specialists on:

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
Can’t get through right now? Request a callback

Our canal and narrowboat insurance features

Liveaboard your narrowboat

Optional contents cover protects what you need for a life on the water. Wide range of listed items with cover levels protecting you and your boat 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).

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.

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.

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.

Canal and Narrowboat Insurance Claims

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

Photographs of any damage will help your claim along, so please take a few photographs where appropriate.

Need to claim?

Start by giving us a call on:

0330 018 2292

Canal and 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.

Canal and 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 friendly specialists can help to advise you on this where necessary.

How can I buy a narrow boat policy so that I can liveaboard?

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.

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 five 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 narrowboat. A full survey is required as it includes a hull condition report too.

Can I get third-party liability cover for older craft?

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).

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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