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Narrowboat Insurance
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Specialist insurance for narrowboats & widebeams
Whether you’re leisure cruising or living aboard your narrowboat or widebeam, specialist cover through Craftinsure is designed to help you feel safe and ready for each adventure.
Armed with a narrowboat insurance policy, you can cruise the canals confidently, knowing you’re covered for injuries, third-party claims, and unexpected damage or loss to your vessel.
Why choose us
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20 years’ experience
We’ve been helping others enjoy their passion for over 20 years
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Quick, easy process
Our simple online quote and buy process allows you to be covered in minutes
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Up to £5m third-party cover
You can choose up to £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
Narrowboat insurance through Craftinsure does not cover the following:
- 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
For full details on the cover provided, please see our insurance documents.
How much does narrowboat insurance cost?
Several factors affect the cost of a narrowboat insurance policy through Craftinsure, such as:
- the age and value of your narrowboat or widebeam
- your boat’s intended use
- your boat’s mooring location
- your experience and claims history
- your selected level of cover
You can learn the cost of narrowboat insurance through Craftinsure by getting an online quote.
Why consider 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.
For example, thieves could target your boat during your travels, or you could accidentally damage another canal user’s property whilst mooring your boat. Narrowboat insurance can cover any expensive reparation costs or legal fees, so you can get back to cruising without worrying about your finances.
Specialist narrowboat insurance through Craftinsure also covers widebeams, which are broader canal boats designed for more space and comfort. You can get covered in minutes by simply specifying your boat type during our simple quote process.
Narrowboat Insurance FAQs
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Narrowboat insurance is not a legal requirement in the UK, but many boat owners choose to buy it as a way of protecting their investment should the worst happen.
That said, you need to have a minimum of £1m of Public Liability cover to cruise on UK inland waterways, or you could face a fine. Craftinure arranges narrowboat insurance policies with £5m third-party liability cover as standard.
For further information on your legal requirements when owning a narrowboat or widebeam, please visit gov.co.uk.
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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 of up to £5k.
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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 widebeam insurance, but we don’t cover static houseboats.
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