Every up and down
Whether you’re just cruising the UK’s canals and inland waterways, or living aboard your Barge, you’ll want boat insurance cover that meets all your needs. The use of the inland waterways typifies a slow moving existence with no pressures or worries. So it’s no surprise that many others seek the same tranquil experience. With over 30 years’ experience in boat insurance you can be reassured that we understand your needs and offer a 5 star rated “All Risks Boat Insurance Policy” reviewed and awarded by an independent panel of insurance brokers. In addition to this, we also offer “Third Party Only” to ensure that any injuries or damages to other people or property are covered.
It is important for us to provide you with a quality product to protect your boat. That’s why we took the time to remove insurance jargon, replace it with plain English and obtain an independent 5 star rating.
What does it cover?
All Risk Cover
- Cover for loss, damage, theft and third party liability
- Agreed value policy
- Outboard motors and tenders covered up to £350 without declaration (increases available)
- Personal Belongings automatically covered up to £1000 without declaration (increases available)
- No excess on claims that arise while your vessel is moored on a pontoon berth or in a marina
- No excess deducted for loss or damage claims caused by an uninsured third party
- Emergency Medical Expenses and Personal Accident cover is provided
- 10% discount if moored in a UK marina
- Contents cover available if you permanently live onboard your vessel
- Option to add Marine Legal Protection cover
Third Party Only
- Cover for damage to any other vessel or property that you are legally liable to pay
- Cover for death and injury that you are legally liable to pay
- Cover for pollution that you are legally liable to pay
- Cover for emergency medical expenses and personal accidents
- No excess deducted on this policy
- Many Inland waterways require you to obtain a Boat Safety Certificate issued by the Canal and River trust and the Environmental agency. Its purpose is to help minimise the risk of boat fires, explosions or pollution. While it is wise to have any "elderly" boat regularly checked over it is up to an owner as to how often the vessel should be surveyed.
- Some insurers, however, ask for surveys on a regular basis, every 3 or 5 years. As a general rule once we receive a satisfactory survey report we will not ask for another survey all the time you remain continually insured with us.
- It is wise to ask any insurer, who requests a survey, how often after the acceptance of the first one will there be a request for another. A survey may seem an expensive irritation but while any owner will feel that they "know" their own boat it is essential that an independent, qualified, insured person is called in when necessary.
The above is for information purposes only. It is not intended to define legal terms nor is it intended to affect the interpretation of any policy we may issue. If you have any questions concerning your insurance, there is no replacement for having your individual questions answered individually by your insurance broker or insurer.
It is generally considered good practice to have a second hand boat surveyed before purchasing it, irrespective of the age. There will also be occasions when an insurer will require sight of a survey report before agreeing to provide cover on some vessels. Those over a certain age, home built, boats which have been damaged and refitted boats.
Call our team of experts on
+44 (0)1732 223650
Mon - Fri 9am-5pm (excluding public holidays)