Cold, husband in Scottish river having capsized boat (5)
I believe the answer is:
yacht
'boat' is the definition.
(yacht is a type of boat)
'cold husband in scottish river' is the wordplay.
'cold' becomes 'C' (abbreviation, eg on taps).
'husband' becomes 'h' (abbreviation).
'in' means one lot of letters goes inside another.
'scottish river' becomes 'yat' (I can't explain this - if you can you should give a lot more credence to this answer).
'c'+'h'='ch'
'ch' inserted within 'yat' is 'YACHT'.
'having capsized' is the link.
This may not be correct. Some or all of it may belong to another bit of the clue.
Can you help me to learn more?
(Other definitions for yacht that I've seen before include "Fast sailing vessel" , "Kind of boat" , "Type of boat" , "Sailboat" , "Sailing-boat" .)