Insurance
Narrowboat & canal boat insurance, compared
Every boat on Canal & River Trust and Environment Agency waters needs at least £2 million third-party cover and a valid Boat Safety Scheme certificate. Here are the UK's specialist inland-waterways insurers and brokers so you can compare and get a quote. Works alongside the official Boat Safety Scheme.
UK narrowboat & canal boat insurers
Listed to help you compare. Boat Safety Hub is not an insurer or broker and does not sell policies or receive commission for these listings. Always confirm cover and terms directly with the provider.
What to check before you buy
Third-party liability (£2m minimum)
The Canal & River Trust requires at least £2 million third-party cover before it will issue a licence — effectively mandatory on most UK inland waterways.
A valid BSS certificate
Most insurers require a current Boat Safety Scheme certificate. Need one? Find a verified examiner near you.
A recent survey
For older boats, insurers often ask for an out-of-water hull survey before offering or renewing cover.
Agreed vs market value
Check whether a total loss pays an agreed value (fixed at policy start) or market value (assessed at the time of claim).
Cruising range & liveaboard use
Confirm the policy covers where you cruise and whether you live aboard — liveaboard use is a common exclusion.
Salvage & wreck removal
Look for salvage charges and wreck removal cover — these can be significant after an incident.
Need a BSS certificate for your policy?
Most insurers require a valid Boat Safety Scheme certificate. Find and book a verified examiner near you.
Find a BSS examiner