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.
The first £50-£100 of every claim - the excess depends on level of cover
Wear and tear
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.
Yes, your canoe is covered should it be damaged whilst in transit. The canoe should be securely fastened to a trailer or roof rack.
Yes, your canoe is covered for racing as well as the liability cover in the unfortunate event that you hit someone else.
Yes, the policy provides 30 days European cover.
Provided that it is stored in a secure compound and the trailer has either a wheel clamp or ball hitch to it.
No. You must take reasonable precautions to prevent theft and it should be kept in a securely locked building when not in use.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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.
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.
Based on 786 independent customer reviews.