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 we've 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*

0844 892 1987
01743 283277 Mon - Fri 9am to 5pm
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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 to cover a wide range of recreational canoeing and kayaking

* 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 are marine claims specialists, so they're able to understand the precise details of your claim.

They're available Monday to Friday, 9am to 5pm.

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.

In line with our service pledge, we will act within 48 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 payment by BACS straight in to your bank account or by CHAPS to the supplier.

Documents

Canoe insurance policy documents

Policy Summary Boat [pdf, 485 KB] Policy Wording Boat [pdf, 642 KB] Terms of Business [pdf, 752 KB]
Customer Reviews (1965)

Customers rate our service at 93%

Based on 1965 independent customer reviews.

DateProductScoreCustomer Comment

Boat Insurance (Renewal)

+

Good efficient service.

Boat Insurance (Renewal)

++

A timely reminder supported by discussion and call-back at the time arranged to complete the deal.
Many thanks to all concerned.

Boat Insurance (Renewal)

+

My questions were answered promptly and clearly.

Boat Insurance (New Policy Holder)

+

We are new clients and we are happy that we don´t need your Insurance.

Regards Petra Maiwald and Dieter Gulik

Boat Insurance (Renewal)

+

All good!

Boat Insurance (Renewal)

+

Good service but I was on the phone for a long time just to renew a policy.

Boat Insurance (New Policy Holder)

++

Easy to set up and use site. Once I have set up my boat insurance I don't have to worry again as Towergate look after my policies and even contact me when they are due for renewal...... To sum up..Hassle free boat insurers what could be better than that?

Boat Insurance (Renewal)

--

It did what I needed, wouldn't say it was good or bad just satisfactory.

And so you pay attention I have ticked the BAD button as you've not given a plain old just satisfactory option, so in some ways this survey fails to address the question by offering the customer sufficient options to give a fully justified reply.

Enjoy!

Boat Insurance (New Policy Holder)

+

communication can sometimes be a little slow, but service is good and prices mostly excellent

Boat Insurance (Renewal)

++

Excellent, no problemsi

View all reviews >>

0844 892 1987
01743 283277 Mon - Fri 9am to 5pm
Get a quote Request a callback
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93%

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