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River Boat Insurance – Compare Cheap Quotes
River boats (or inland cruisers, as they’re also known) are a popular type of recreational vessel in many parts of the UK, but before someone can take their river boat out on the UK’s inland waterways they will usually have to be issued with a waterways licence – and before they can apply for this licence they will usually have to take out river boat insurance.
Of course, just because river boat insurance is usually mandatory doesn’t mean you should pay over the odds for it. By using Quotezone.co.uk’s boat insurance comparison system to compare river boat insurance quotes you stand a better chance of finding the right policy at the right price.
How much does river boat insurance cost?
There’s no straightforward answer to that question, because boat insurance companies take a wide range of risk factors into consideration when they are calculating the premium for your river boat insurance. For instance, the type of boat you own, its estimated market value, its make and model, the year it was built, the type of engine it has, where you store or moor it and where you normally sail it can all affect the cost of insuring a river boat.
The best plan is to use our price comparison service to compare boat insurance quotes from a range of different insurance companies, and then go with the one that offers the best coverage at the best price.
What’s the minimum level of insurance cover I need for my river boat?
Most waterway authorities in the UK will require you to take our third party boat insurance at the very least, and in most cases your third party river boat insurance will need to provide at least £1 million of coverage (although the Canal & River Trust requires £2 million of coverage).
Does my river boat have to pass a BSS before I can insure it?
Yes, if your river boat is more than 20 years old then most boat insurance specialists will require you to get a Boat Safety Scheme (BSS) examination certificate before they will insure it.
If you own a newer river boat, though (one that was built less than 20 years ago) some boat insurance specialists may be willing to insure it without a BSS examination certificate, although some river boat owners still decide to have their boat examined and certified anyway in order to ensure the boat doesn’t have any structural issues.
Does river boat insurance cover the contents of my boat?
That depends on the type of river boat insurance policy you take out.
If you opted for a cheaper “third party only” river boat insurance policy then the contents of your boat wouldn’t be covered if your boat was stolen or burgled.
On the other hand, some of the more comprehensive river boat insurance policies might include contents cover as standard, but it’s also possible to add this type of your cover to a more basic boat insurance policy for a small fee.