The Insurance Science of Disability

Houseboat and its counterpart yacht insurance coverage is centered around the boatman's navigational past experience, the boats use, the season in which it is being on the waters and the parallel insurance rates that match the navigational area it is being used in.

In general, after relevant insurance deductibles are paid, this form of insurance covers various things.

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In addition to premium savings you can often benefit from not having your excess applied in the event of a claim arising whilst your RIB is marina berthed. Some insurers will also provide the benefit of not penalising your no-claims bonus in the event of theft or damage occurring whilst your vessel is moored in a marina.

Personal Accident Insurance

This is a useful feature and, in most cases, it usually does come as a genuine free benefit. The sums insured are relatively low (typically £5,000 or £10,000) and do not compare favourably with stand-alone personal accident policies but, nevertheless, would provide some support if an insured event were to occur.

You should always seek professional advice from a properly authorised and registered insurance provider before buying insurance.

If you are looking for Insurance cover for your boat you should seek advice from a fully authorised & regulated provider. If you are UK-based contact IRCM - an independent specialist marine insurance broker who can source a wide-range of So, what is the difference between a barge and a narrowboat? "Does it really matter?" you might be asking yourself but there are important distinctions that, will not only irritate narrowboat owners and canal buffs if you get it wrong, but, from an insurance point of view could have serious implications as to the scope, validity and availability of your protection.

It's probably sensible (and safer) to start with the narrowboat: built specifically with canal navigation in mind (hence they are narrow) a narrowboat has a beam (width) of between 6 feet 10 inches to 7 feet. Maximum length is 72 feet which is based on the UK canal system's lock size. However, many locks in the north of England can only accommodate craft with a maximum length of 60 feet. From a modern perspective a narrowboat also has an engine, which means it can move under its own power. Modern construction is steel; previously hulls have been constructed from wood, glass-fibre, wrought iron and ferro-cement.

Insurance for narrowboats can be obtained from number of specialist marine and boat insurance providers. Policies can be sourced direct from an insurer or from a specialist marine and boat insurance broker. The essential difference between the 2 options is that an insurer will only offer their own products whereas a broker should provide advice as to the best option available to meet a policyholder's requirements. A broker should also be able to provide advice and support in the event of a claim being made on the policy.