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Read More Read more on this storyE&L® Canal and Narrow Boat Insurance offers comprehensive cover for a range of narrow boats (up to a maximum length of 80ft) used in UK waterways.
- 100% Fire, Theft, Accidental Loss or Damage cover included as standard
- Up to £2.5 million Public Liability, up to £15,000 Personal Accident, and up to £2,500 Personal Belongings cover
- Hire of Replacement Craft, Salvage Charges, Pollution and Sighting Costs, Wreck Removal and Accidental Loss of Keys cover also included
- 10% online discount
Owning a canal boat can be a huge financial investment, with new boats costing up to £100,000*. Although narrow boating is a fairly safe way to travel, unfortunately accidents can and do happen on our waterways.
It makes sense therefore that you and your vessel are protected for any financial loss with insurance. E&L® can offer you the peace of mind to enjoy your boating with our comprehensive, low cost canal and narrow boat insurance.
*www.canaljunction.co.uk
Check our Canal and Narrowboat Insurance FAQ's for any questions you may have
Canal and Narrowboat Policy Information
| Monthly1 | Yearly | |
|---|---|---|
| Fire, Theft, Accidental Loss or Damage | Max 100% of agreed value | Max 100% of agreed value |
| Public Liability | £2.5m | £2.25m |
| Hire of Replacement Craft | Up to 10 days £50 limit per day | Up to 7 days £50 limit per day |
| Personal Belongings | Max sum insured value £2,500 £250 single item limit | Max sum insured value £2,000 £250 single item limit |
| Personal Accident | £15,000 | £12,500 |
| Salvage Charges | Max 100% of agreed value | Max 100% of agreed value |
| Pollution Costs | Max 100% of agreed value | Max 100% of agreed value |
| Sighting Costs | Max 100% of agreed value | Max 100% of agreed value |
| Wreck Removal | Max 100% of agreed value | Max 100% of agreed value |
| Accidental Loss of Keys and Replacement Locks | Up to £750 | Up to £500 |
Excess
A £100 excess is payable for each and every claim except for total or constructive total loss claims. If claims are made under more than one section of cover, an excess will apply to each section of cover under which a claim is made. Claims for damage to underwater gear occurring in tidal waters are subject to a double excess.
1. Lunar monthly policy (more information)
The following discounts are available on E&L® Canal and Narrow Boat Insurance:
- 10% online discount
The total maximum discount per policy is 20%.
Introductory discounts provided only apply to new policies taken out online.
To be eligible for E&L® Canal and Narrow Boat Insurance the following conditions must be met:
- The policyholder is a UK resident aged over 18 years
- The length of the narrow boat must not exceed 80ft
- Craft must be used for private/pleasure purposes
- Craft must be seaworthy
- Craft must not carry more than 12 people
- The policy application is subject to a flood risk assessment.
- You must meet our security requirements
Please see the Canal and Narrow Boat Insurance Policy Wording for full eligibility criteria.
Policy Summary
The policy summary gives an overview of the benefits of our canal and narrowboat insurance provides
Canal and Narrow Boat Insurance Policy Summary
Policy Wording
The policy wording outlines full details of our canal and narrowboat insurance terms and conditions.
Canal and Narrow Boat Insurance Policy Wording
To view the above PDFs Adobe Reader must be installed.
Register a Claim
Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.
View our Testimonials pages.
Narrowboat Insurance FAQs
If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.
- Can friends and family use my canal/narrowboat for holidays?
- Do I need to have the craft surveyed to be able to get insurance?
- Does my insurance cover me if I want to permanently live in my canal/narrowboat?
- What happens if I lose my keys or someone breaks into my canal/narrow boat, damaging my doors and locks - will this be covered?
- What is the excess on my canal and narrowboat policy?
- What is the maximum contents value that I can insure?
- What is the maximum length that my Canal/Narrow Boat can measure?
- Can friends and family use my canal/narrowboat for holidays?
Yes, as long as they have your permission and the insurance company has been informed. The maximum number of people insured on the boat at any one time is 12.
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- Do I need to have the craft surveyed to be able to get insurance?
If your craft is more than 20 years old you must have a full survey report which is no more than 2 years old and which was carried out by a qualified chartered surveyor whilst the craft was out of the water. You must ensure that any recommendations made following the survey have been fully met. A copy of this must be provided when a policy is set up.
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- Does my insurance cover me if I want to permanently live in my canal/narrowboat?
Yes. When you are getting your quote, please make sure that you select yes to the question "will the canal/narrow boat be used as a houseboat, permanent living accommodation or be your home address?"
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- What happens if I lose my keys or someone breaks into my canal/narrow boat, damaging my doors and locks - will this be covered?
We cover up to the amount stated in the schedule for the reasonable cost of replacement keys/replacement locks and or the reasonable cost of repair to the locks of the external doors of the craft following accidental loss, damage or theft. This is up to £750.
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- What is the excess on my canal and narrowboat policy?
A £100 excess applies to each and every claim except for total loss/constructive total loss claims. If claims are made under more than one section of cover, an excess will apply to each section of cover under which a claim is made. Claims for damage to underwater gear occurring in tidal waters will be subject to a double excess.
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- What is the maximum contents value that I can insure?
Personal belongings are covered up to the value of £2500, with a single item limit of £250.
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- What is the maximum length that my Canal/Narrow Boat can measure?
The maximum length of the canal or narrow boat is 80ft. Any vessel measuring over this amount in length cannot be insured.
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