Canal Boat Insurance
| Insurer | Outstanding Policy Features | Quote |
|---|---|---|
| Contents avialable on residential craft. IWA discounts avialable. |  |
|
| Noble Marine are only able to provide Narrowboat Insurance for boats owned by UK Residents or boats that are UK registered. | |
There are many thousands of miles of navigable canals and rivers in the United Kingdom. For increasing numbers of people, exploring the beautiful British countryside by boat is one of their joys. With hundreds of canal boats on Britain’s waterways, the demand for canal boat insurance has never been larger.
As with many other types of insurance, it is vital that you shop around for not only the best cover for your canal boat, but also the best premiums. There are many different types of boat insurance available and it is vital that you compare different policies in order that you find the one most suitable for your needs.
Canal boat insurance will ensure that your craft is fully protected against many of the major insurance risks. Typically, your cover will include protection against theft of the boat or your belongings, underwater damage to the hull and engines, accidental, physical loss or damage to your vessel and your property and personal accident cover for personal injuries or death for you and people on board your insured vessel.
The exclusions for a canal boat insurance policy generally include damage caused by damp, theft where you have not taken reasonable precautions (for example leaving the boat unlocked) or any loss, damage, liability or expense intentionally caused by you.
With hundreds of different types canal boat in the UK, there are a number of factors that you should take into account when shopping for canal boat insurance.
The first factor is the age of the boat. If the boat is over 20 to 30 years old, you may well have to commission a survey on the vessel in order to obtain an insurance quote for it. Often, insurers suggest that you speak to them before committing to the purchase of an older canal boat.
Your premium will also be affected by the value of the boat and, crucially, by the value of the personal effects that you wish to cover. There will normally be a limit of around £250 for any individual item, but if you have electrical equipment, jewellery or other valuable items on the canal boat, you need to protect these.
Your premium will also be affected by your own personal claims record as no-claims discounts are often available on canal boat insurance policies. If you have a good claims record you can benefit from lower premiums on your insurance.