Specialist Houseboat Insurance
Your houseboat is more than just a vessel – it’s your home. Protecting it with the right home boat insurance ensures you can enjoy life on the water without stress. Our tailored policies safeguard your floating home from unexpected risks, so you can relax knowing you’re covered.
Why Do You Need Home Boat Insurance?
While home boat insurance isn’t a legal requirement in the UK, it’s highly recommended. If you moor in a marina or navigate the waterways, you may need insurance to meet licensing and mooring requirements. The Canal & River Trust mandates at least £2 million in third-party liability cover before issuing a boat licence, ensuring you’re protected against claims for damage or injury caused by your boat.
Comprehensive Protection for Your Floating Home
Our narrowboat insurance policies provide extensive cover, including:
- Accidental Damage: Cover for unexpected events that could impact your houseboat.
- Fire and Theft: Protection against damage or loss due to fire, theft, or burglary.
- Vandalism: Coverage against malicious damage.
- Personal Accident: Financial assistance in case of injury while on board.
- Medical Expenses: Support for medical costs following an insured incident.
- Third-Party Liability: Included as standard cover up to £3 million, ensuring protection against claims.
We offer optional extras to enhance your policy, including contents cover, frost damage protection and legal expenses cover.
Our flexible policies allow you to tailor your cover to suit your needs, whether you live aboard full-time or use your houseboat for leisure. With our expert support, securing the right home boat insurance has never been easier.
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Flexible Cover for Homeboat Cruising
Wherever your adventures take you, our home boat insurance is designed to accommodate your cruising lifestyle. We provide cover for UK and European inland non-tidal waterways, ensuring you’re protected whether you're moored in a marina or exploring new routes.
If your journeys extend beyond inland waterways, we can arrange additional cover for coastal cruising or European excursions, giving you the freedom to navigate with confidence.
Exclusive Discounts and Benefits
We appreciate the boating community and offer exclusive discounts for members of recognised Owners’ Associations and Boat Clubs. Our policies also include benefits such as protected no-claims bonuses and excess waivers, rewarding responsible boat ownership.
Why Choose Topsail?
With decades of expertise in marine and leisure insurance, our team understands the unique requirements of houseboat owners. We provide personalised service and tailored coverage to ensure you get the right protection for your vessel.
Our policies cater to all types of liveaboard vessels, including narrowboats, widebeams, Dutch barges, and more. Whether you live aboard permanently or use your boat for leisure, we offer flexible insurance solutions to suit your needs.
Get a Quote Today
Protect your houseboat with a policy designed around you. Our free online quotes are available instantly, and you can purchase coverage immediately if you're cruising within the UK or Europe. See our online Quote and Buy.
Looking to compare your renewal quote? Our team is happy to review your existing policy and provide a competitive quote for new coverage.
For full details on our comprehensive cover, please refer to the relevant policy document.
Topsail Marine & Leisure Insurance operates as a trading name of Topsail Insurance Ltd., which is authorised and regulated by the Financial Conduct Authority.
