Canoe insurance

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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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For a quote or insurance advice call:

0844 892 1987

01743 283277

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

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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

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

Further exclusions may apply or vary dependent on level of cover chosen. The above exclusions are standard across each of our four policy options.

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.

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.

0844 892 1987

01743 283277

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

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Please note: This service operates only during office hours.

Policy documents

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