Marine Insurance for BWML berth holders


Provided by Towergate Insurance

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

Towergate’s 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.

Call for a quote: 0344 892 6226

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Towergate Insurance is one of the UK’s leading insurance brokers, who are dedicated to their customers and making a difference in the community. Towergate have over 30 years’ experience in providing boat insurance. BWML berth holders are entitled to a 20% discount* on Towergate’s Freshwater Options policy, 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 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 works 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
  • Third party excludes employees
  • Personal accident will exclude commercial use

For craft over 30 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 narrowboat. You are not insured for any legal costs incurred before we agree to pay them.

Terms and conditions of discount

*20% discount will be applied to the premium, before Insurance Premium Tax and Customer Service Charge. Minimum premium of £125 for jet ski, £100 for RIB and £75 for all other craft is applicable. The discount is not applicable on dinghies. Discount is only valid for BWML berth holders. Discount is subject to underwriting acceptance. Available to UK residents only.

For further information or a no obligation quote call Towergate on 0344 892 6226

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British Waterways Marinas Limited (BWML) is an Introducer Appointed Representative of Towergate Insurance. Towergate Insurance is a trading name of Towergate Underwriting Group Limited. Towergate Underwriting Group Limited are registered in England company No. 4043759, registered address; Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN. Towergate Underwriting Group Limited are Authorised and Regulated by the Financial Conduct Authority.