What should I look for when insuring my Narrowboat?
GJW Direct only offers comprehensive insurance . Our insurance will cover your Narrowboat for accidental damage, theft, fire and vandalism, plus third party liability.
There are many companies offering Narrowboat insurance. You should always check the extent of the cover to ensure that you meet all the company’s requirements and they meet yours. You could end up uninsured if you do not comply with the conditions.
Here are some things to look out for:
- Cruising range - Some companies limit you to non tidal waters only, but you may require tidal waters for access.
With GJW Direct the cruising range is United Kingdom inland waters which means inland waters of the United Kingdom where there are no tides but including broads and fens whether tidal or not. You may travel along enclosed inland tidal stretches for the purposes only of entering or leaving the non-tidal system.
- Houseboat use - If you are using the Narrowboat for residential purposes you need to advise your insurance company as the policy may exclude Narrowboats used as a permanent residence. The GJW Direct Narrowboat and Barge Policy offers live aboard cover at an additional premium, however you need to inform us that your Narrowboat is your permanent place of residence in order to be covered for this usage.
- Personal property/Contents - You need to check the extent of the cover you have for your personal belongings. You may require all risks cover similar to a household policy if you are living on board permanently. Our single article limit is £1,000, therefore you will need to inform us, in writing, of any items over the value of £1,000 ,to ensure you have the required cover.
The GJW Direct Narrowboat and Barge Policy mirrors a home owner’s policy especially tailored for a boat which forms a place of residence. Contents can also be covered anywhere in the world on payment of the appropriate additional premium.
- Single handed use - Some companies exclude single handed use or charge extra. The GJW Direct Narrowboat and Barge policy includes single handed use as standard.