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Rowing Boat Insurance – Compare Cheap Quotes

You may or may not know that most inland waterways authorities in the UK will require you to hold a waterways licence before you’re permitted to take your rowing boat out on their rivers, canals or lakes.

When you’re applying for this waterways licence you will usually be required to prove that you have suitable boat insurance in place, which means rowing boat insurance is in most cases mandatory if you plan to row your boat on UK rivers or canals.

If I own an ocean rowboat am I still obliged to take out insurance?

No, if you own a rowing boat that is specifically designed for offshore rowing then rowing boat insurance usually isn’t mandatory.

However, even when rowing boat insurance is entirely optional it’s still worth considering, because it can help cover the cost of third party liability claims if you’re ever involved in a rowing accident that was deemed to be your fault. If you didn’t have rowing boat insurance in place at the time of that incident you would be obliged to cover any liability claims (and accompanying legal fees) yourself.

How much does rowboat insurance cost?

Insurance providers take a wide range of factors into consideration when calculating the premium for your rowing boat insurance policy, so it’s difficult to predict how much you’re likely to pay.

The best plan is to use our price comparison service to compare rowing 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.

Will ‘third party only’ coverage be enough when I’m taking out rowing insurance?

Third party boat insurance is the minimum level of cover you can take out for your canoe, which means it is likely to be a cheaper option than some of the more fully comprehensive boat insurance policies.

And while owners of more expensive boats (such as yachts, catamarans, power boats and speed boats) would be well advised to consider upgrading their basic boat insurance for a more comprehensive policy that insures their own vessel as well as those of third parties, if your rowing boat isn’t particularly valuable you might decide that you aren’t taking such a big risk by opting for third party cover.

Of course, this does mean you won’t be covered if your rowing boat is ever stolen or damaged in an accident, so it’s important to weigh up the costs and benefits of each policy.

What’s the minimum level of third party only coverage I can take out?

If you’re planning to row your rowing boat on inland waterways that are managed by a waterways authority then your third party rowing boat insurance will usually need to provide you with at least £1 million of third party coverage (although the Canal & River Trust requires £2 million of coverage).