Navicat allows access to your MySQL database directly via TCP/IP port 3306 or via ssh tunneling.
Tunneling has the advantage that you don't need to set up remote access clients in your cPanel. The connection credentials are the same no matter if your local IP address changes. It's as though you're using the database locally on the server.
In Navicat, set up a connection as you would normally but set the hostname/IP in the General tab to be 127.0.0.1.
Next, in the SSH tab, click the checkbox on and enter your servername or IP of the server (eg. server.yourdomain.co.uk) and your username and password. If you're a dedicated server owner, you may wish to use root as the user if your server allows root access via ssh. If you're using keys instead of passwords for ssh access, enter tose here.
Click 'Test Connection' to check everything is good and then ok.