Canoe insurance

Covering you and your canoe – for pleasure, in races, on open water and through white waters

When it comes to your canoe or kayak insurance, we know that you need cover for all types of use.  So our team of RYA qualified experts have created a range of policy options that insure you for canoeing in all recreational situations - including racing and open water use, as well as white water*

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Here to help

For a quote or insurance advice call:

0844 892 1987

01743 283277

Mon - Fri 9am - 7pm, Sat 9am - 1pm

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BEAT YOUR RENEWAL BY 5%

Great value now, and when you renew. Call us today and we will beat your renewal price by 5%. And you’ll pay the same price if you renew with us next year**.

This offer is only available when you call us.

See terms and conditions.

**Offer available to new customers only. Not in conjunction with any other offer. 5% off the total renewal price, including fees & charges if applicable, from your current insurance provider, applies to like-for-like cover. Excludes craft over £500,000 in value. Subsequent renewal price, including fees & charges, will be held at the same price subject to no claims being made. Offer not available online or in conjunction with any other offer. Subject to: Minimum price of £100, sight of renewal notice within 14 days of inception and underwriting acceptance of Towergate scheme. Offer expires: 30/9/2014 but can be withdrawn at any time. Calls may be recorded.

0844 892 1987

Mon - Fri 9am - 7pm, Sat 9am - 1pm

Features

Canoe insurance features

Enjoy your time on the water and let the team at Towergate take care of your insurance

  • Cover for you, your canoe or kayak, your paddle, helmet, spraydeck and buoyancy aids

  • Races, open water and white water defined as grade III or above by the British Canoe Union*

  • £3 million third-party liability

  • Cover whilst in transit

  • Up to 30 days' European cover

  • Range of policy excesses

  • Designed by our team of Royal Yacht Association RYA qualified

* Defined by the British Canoe Union as Grade III or above

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Exclusions

Canoe insurance exclusions

  • The first £50-£100 of every claim - the excess depends on level of cover

  • Wear and tear

  • Corrosion

  • Loss of value because of age and use

  • Loss of value to your canoe after it has been repaired

  • Scratching, denting or bruising while your canoe is being transported

Please find below the list of countries which are defined as 'Europe':

  • Albania, Andorra, Austria, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Eire, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Republic of Macedonia, Malta, Monaco, Montenegro, The Netherlands, Norway, Poland, Portugal (excluding Azores), Romania, San Marino, Serbia, Slovakia, Slovenia, Spain (including coastal waters of Canaries, Madeira, and the Balearics), Sweden, Switzerland, United Kingdom, Vatican City

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Canoe insurance FAQs

  • Is my canoe covered whilst in transit?

  • Yes, your canoe is covered should it be damaged whilst in transit. The canoe should be securely fastened to a trailer or roof rack.

  • Is my canoe covered for racing?

  • Yes, your canoe is covered for racing as well as the liability cover in the unfortunate event that you hit someone else.

  • Can I take my canoe abroad?

  • Yes, the policy provides 30 days European cover.

  • Is my canoe covered at the club?

  • Provided that it is stored in a secure compound and the trailer has either a wheel clamp or ball hitch to it.

  • Can I leave my canoe unattended at any time?

  • No. You must take reasonable precautions to prevent theft and it should be kept in a securely locked building when not in use.

  • Where can I find more information about monthly Direct Debit?

  • If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Claims

Canoe insurance claims promise

Our claims team

Our team of marine claims specialists, based in our Shrewsbury office, are all RYA qualified, so you can be assured that they will understand your needs precisely.

Winners of the 2011 UK Broker award for claims, and shortlisted in 2012, they're available Monday to Friday, 8am to 5:15pm.

Your canoe insurance claim

Simply call or email the team using the number in your policy documents and they'll talk through the details of your claim and next steps, guiding you through the process to settlement.

There are no claim forms to fill in, only a Statement of Fact form which is completed by your claim handler over the phone at the time of the notification of the claim. You'll then receive a completed form for your records via email.

Backed by our research that over 91% of people responding to a questionnaire about their claims experience are happy with our service, we're justly proud of our claims assistance.

In line with our service pledge, we will act within 24 hours of being notified of your claim and within five days if you provide us with new information on an existing claim.

Most importantly, when your claim is settled we will ensure speedy payment by BACS straight in to your bank account or by CHAPS to the supplier.

Documents

Canoe insurance policy documents

Policy documents

Policy Summary [pdf, 284 KB] Policy Wording [pdf, 186 KB]

0844 892 1987

01743 283277

Mon - Fri 9am - 7pm, Sat 9am - 1pm

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