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Narrowboat Insurance
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What is narrowboat insurance?
Narrowboat insurance is designed to shield you, your boat, and other canal users from the various risks associated with using them.
These include injuries to yourself or your passengers, third-party claims emerging from accidents on the waterways, or your boat being lost, damaged or stolen.
Armed with a narrowboat insurance policy, you and your passengers can cruise with peace of mind.
Why choose us
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20 years’ experience
We’re boat owners too, and have been helping others enjoy their passion for over 20 years
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Direct To You
We can offer competitive premiums since our Quote and Buy process is entirely online
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£5m third-party cover
You'll recieve £5m of cover for protection against third-party claims
What does narrowboat insurance cover?
Narrowboat Insurance
- Personal effects (with a single item limit of £500)
- Third-party cover up to £5m
- ‘Live aboard’ use and continuous cruising
- Loss or damage from fire or theft
- Loss or damage during transit by road
- Repair or replacement (up to the sum insured)
- Recovery of the vessel following a loss
- Tenders
- Underwater gear
- Others using your boat (with your permission)
Use on inter-connecting tidal waterways
You can look at the Insurance Documents for full details on the cover provided.
- Wear, tear, depreciation, or gradual deterioration
- Mechanical or electrical breakdown
- Loss or damage caused by the vessel being unseaworthy
- Theft of outboard motors (unless securely locked and you have recorded the serial number)
- Loss or damage to personal effects unless the vessel has lockable storage
- Loss of money, cheques, credit or debit cards, jewellery, spectacles, or mobile phones
- Vessel operation outside of the territorial scope shown in your policy
- Wilful misconduct or recklessness by you or others in control of the vessel
You can look at the Insurance Documents for full details on the cover provided.
Why should I consider narrowboat insurance?
It’s easy to see why so many boaters choose this lifestyle—there’s no better feeling than waking up in a different location each morning with nature on your doorstep.
But as with any hobby, there’s always a risk that something could go wrong. Taking out specialist narrowboat insurance could protect you and your boat if the worst happens.
For example, your boat could be targeted by thieves during your travels. Narrowboat insurance can cover the cost of repairing criminal damage and replacing any stolen items.
Or you could accidentally damage another canal user’s property whilst mooring your boat. Having Public Liability cover as part of your narrowboat insurance could cover any expensive reparation costs, so you can get back to cruising without worrying about your finances.
Narrowboat Insurance FAQs
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Various factors affect the cost of narrowboat insurance, including your claims history and the age and price of your vessel.
You can get an online quote within minutes to find out the cost of your cover. -
As motorists require third-party insurance to legally drive on public roads, the Canal & River Trust require third-party cover as a minimum requirement to obtain your boating licence and use the UK’s inland waterways.
However, you may want to take out additional cover for extra reassurance when cruising in your narrowboat.
Through Craftinsure, you can build your own online quote and select the most suitable cover options.
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Having an out-of-water condition and valuation survey carried out on your narrowboat ensures the safety of everyone onboard, alongside other canal users.
At Craftinsure, for boats over 30 years old, you must have a survey report no more than five years old, with all recommendations complied with.
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Yes—Personal Effects are covered, with a single item limit of £500.
However, this excludes the loss of items such as money, cheques, credit or debit cards, jewellery, spectacles, or mobile phones.
There is also an overall limit which will be detailed in your policy.
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There’s no better feeling than moving your home to a different location at the drop of a hat. Cover arranged by Craftinsure includes continuous cruising, so you will be covered to live and travel on your narrowboat.
You may want to consider increasing the standard policy limit for Personal Effects if you live aboard - simply select the limit that best suits your needs.
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Yes, our narrowboat policy specifically includes widebeams but we don’t cover static houseboats.
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You can find key exclusions in the ‘What’s not covered’ list above or within the Insurance Product Information Document. A full list of exclusions are in the policy wording.
Alongside this, there are some restrictions on cover, including:
- You must pay the first part of a claim (the excess)
- We will not pay more than the boat value or limits shown in your policy
- You need to hold a current Boat Safety Certificate and appropriate waterways licence
