Narrowboat Insurance

Contents cover on one simple policy

Protect your on-board personal possessions against theft, loss or damage, there’s no need to list every item.

The Ripe Guarantee

At Ripe we take good care of you with great cover and exceptional service at the right price.

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We insure Live aboard Narrowboats

Protect your home on the water against theft and accidental damage or damage towards another boat, person or property.

Why insure your Narrowboat with us?

Our Boat (Hull & Machinery) & Third Party Liability Narrowboat Insurance will protect your Narrowboat against theft, accidental damage, malicious damage and salvage charges. Our policies include £3 million Third Party Liability as standard and will cover you if you have an accident on the waterways and you cause damage to another boat, someone else’s property or injure another person. If you’re using an inland waterway, it is advised by ‘YouGov’ that you must have a minimum of £1 million Third Party Liability, if you don’t have the right insurance you could be prosecuted or fined.

With our Narrowboat Insurance policies (including 'wide beam' Narrowboats & Dutch Barges), you can add on optional extras that you may need, including Contents cover which will ensure that your on-board personal possessions are protected against theft, loss or damage. Other optional extras include Frost cover and Personal Accident

Our build your own policies mean you never pay for any unwanted extras you won’t use. Plus, the Ripe Guarantee means our Narrowboat Insurance will provide great cover and exceptional service at the right price. 

 

About our cover:

  • Build your own policy so you don’t need to pay for cover you don’t need
  • Quickly add on Contents cover or Frost cover if you need it
  • £3 million Third Party Liability included as standard with Hull & Machinery, which is legally advised
  • Cruise anywhere on the inland waters of the UK, excluding lochs and lakes
  • Our cover extends to any person in charge of your Narrowboat, with your permission
  • Up to 25% no claims discount if you’ve made no claims in the past 5 years
  • Up to 15% discount if you moor your boat in a recognised marina

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Get a Quick Quote for Narrowboat Insurance

Our flexible policies mean you can choose from two simple cover options and then add the optional extras you require, including Contents cover and Frost cover.

Boat (Hull & Machinery) & Third Party Liability

This option will cover your boat against theft and damage, as well as covering you for salvage charges. It also covers your legal liability if you damage another boat or property, or injure another person.

What’s included in this cover?

  • Theft of your boat or craft
  • Accidental damage caused by fire, explosion, collision, standing, grounding and heavy weather
  • Accidental damage caused by negligence
  • Malicious damage to your boat or craft
  • Salvage charges and expenses in preventing or minimising damage to your boat or craft
  • Accidental damage caused to another boat or property, or injury to another person
  • Legal costs incurred as a result of damage to a third-party boat or property, or injury to a third party person
  • Cover extends to any person in charge of your boat with your permission
  • Option to increase standard Liability cover from £3 million to £5 million for £40 plus IPT (insurance premium tax)
  • Option to add on Contents cover for your Narrowboat (if applicable)

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Third Party Liability only

Third Party Liability only cover protects you in case you cause damage towards another boat or property, or injure another person whilst on the water.

What’s included in this cover?

  • Accidental damage caused to another boat or property, or injury to another person
  • Legal costs incurred as the result of damage to a boat or property, or injury to a person
  • Accidents incurred when another person is in charge of your boat or craft. Cover extends to any person in charge of your boat with your permission, exclusions apply

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What type of Optional Extras are there to choose from?

Increased standard Third Party Liability cover

Increase your standard Third Party Liability cover from £3 million to £5 million for just £40 plus IPT (insurance premium tax).

Contents cover

Protect your onboard personal possessions against theft, loss or damage. It’s quick and simple to add to your quote and there’s no need to list every item.

Frost

Insures your boat against loss or damage as a result of frost or freezing.

Personal Accident

This will cover you, or any passengers, up to £20,000 in compensation following a serious injury whilst using your boat or craft.

War

Although damage caused by war, strikes, terrorism and other associated risks are rare, the damage caused can be severe. Protect your boat against these risks by adding War cover to your policy.

What does Narrowboat Insurance cover?

Narrowboat Insurance covers any of the three main stern types; cruiser, semi-traditional and traditional. Narrowboat Insurance is intended to protect you, your Narrowboat and other waterway users. This can include covering the costs incurred as a result of theft or damage to your boat, or protecting your liability in the event that your boat causes damage to a property or injures a person. 

How much is Narrowboat Insurance?

There are many variables which will impact on how much your Narrowboat Insurance will cost. These include; whether you live aboard, the type of cover you opt for, the make and value of your boat, the age of your boat, your Narrowboat’s mooring type and your age and marine claim history.

Already insured?

No problem. You can set your policy to start anytime in the next 90 days so you can be covered when you need it.

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Got a question?

Can’t find what you’re looking for? Call 0800 668 1661 and one of our friendly advisors will be happy to help.

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