Marine Insurance for BWML berth holders


Provided by Towergate Insurance

Allowing you to navigate the waterways on your narrowboat or canal cruiser with confidence.

Our narrowboat insurance covers you on inland waterways and interconnecting tidal waters and has been carefully designed to include a choice of covers to compliment the needs of narrowboats, live-aboard narrowboats and canal cruisers.

Towergate Insurance is one of the UK’s leading insurance intermediaries, we are dedicated to our customers and making a difference in the community and have over 30 years’ experience in providing boat insurance. BWML berth holders are entitled to a 20% discount* on Towergate’s
Freshwater Options product, which has been designed specifically for users of the UK inland waterways.

Freshwater Options offers:

  • A choice of cover levels to suit your requirements
  • Home contents cover for live-aboards
  • Towergate breakdown cover provided by River Canal Rescue

As well as these great features, as a BWML berth holder, you will be entitled to marina benefits. If you have an accident in any BWML marina you will have no excess to pay and your no claims bonus will not be reduced if you have the Platinum cover option.

Freshwater Options provides a choice of four cover levels to suit your requirements


Liabilities to third parties and passengers


Bronze cover plus fire, lightning, explosion, theft, malicious damage or vandalism, weather event and freezing


Silver cover plus accidental damage or loss


Gold cover and personal accident cover, marina benefits and protected no claims bonus

Third party risks
Fire, theft, weather event
Accidental damage
Personal accident
Optional Optional
Protected no claims bonus
Optional Optional
Breakdown assistance
Optional Optional

Home contents cover for live-aboards

For those who live aboard their craft, Towergate provides a Freshwater Options live-aboard policy. The policy includes cover for boats’ contents including household goods, personal effects and valuables on board.

Towergate breakdown cover provided by River Canal Rescue

Towergate Insurance is working in partnership with River Canal Rescue to provide policyholders with a national breakdown assistance service. River Canal Rescue runs 24 hours a day, 365 days a year, limited to 2 breakdowns per year. Breakdown cover is included within the platinum policy or can be added to silver or gold levels of cover.


Freshwater Options does not include cover for:

  • Wear and tear
  • Corrosion
  • Loss of value following repair

For craft over 25 years old, evidence of the craft’s condition must be supplied via a full out-of-water survey.

Additional cover

You also have included in your policy the added benefit of having legal expenses cover. Should you be involved in legal action either as a plaintiff or as a defendant, our legal expenses cover can help with your legal fees up to £100,000 for legal proceedings relating to you and your narrow boat. You are not insured for any legal costs incurred before we agree to pay them.

*Discount is applied before Insurance Premium Tax and the customer service charge. Subject to a minimum premium.

For further information or a no obligation quote

Call us on 0330 123 1946

Get a quote