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*

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Here to help

For a quote or insurance advice call:

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

Request a callback Get a quote Email us

Call us today and we will beat your renewal price by 5%.

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. 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 Offer expires: 31/12/2014 but can be withdrawn at any time. Calls may be recorded.

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

Enter your renewal price

£ Show price


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.


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.


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.


Canoe insurance claims promise

Our claims team

Our team aren't just marine claims specialists, they're also been trained by the RYA so they're able to understand the precise details of your claim.

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.


Canoe insurance policy documents

Policy documents

Policy Summary [pdf, 284 KB] Policy Wording [pdf, 186 KB] Terms of Business [pdf, 722 KB]

Product Reviews

96% of customers liked our products (26 reviews)

DateProductScoreCustomer Comment

Dinghy Insurance (Renewal)


Easy, Quick, Right Price

Motor Boat Insurance (Renewal)


I would recommend the Boat Insurance Company without hesitation , very professional over the phone with information requested , and no delay what so ever in receiving my written quote, and paper copy of my insurance ,

Again many thanks


Dinghy Insurance (Renewal)


Quick and easy to renew

Motor Boat Insurance (Renewal)


Brill the girl that was dealing with me was very nice & pleasant. Another thing I like about towergate was that they kept me informed when my insurance was up & give ME time to sorted it.

Canoe Insurance (Renewal)


All that I talk to at your office have excellent product knowledge and are always friendly, polite and efficient.

Windsurf Insurance (Renewal)


I asked about commerical landlord insuranace and no details were sent

Dinghy Insurance (Renewal)


Excellent service.

Dinghy Insurance (Renewal)


Good communication on renewal, friendly informed staff and competative pricing premiums, please remain so, thanks Chris H.

Motor Boat Insurance (New Policy Holder)


but it took a few calls to get the posted copy of insurance

RIB Insurance (New Policy Holder)


Fast & Simple

View all reviews >>

0844 892 1987

01743 283277

Mon - Fri 9am to 5.30pm

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