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*

Beat your renewal by 5%

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 Offer expires: 31/12/2014 but can be withdrawn at any time.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

For a quote or insurance advice call:

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

Documents

Canoe insurance policy documents

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

Customer Reviews (57)

Our Boat Insurance service rated at 95%

Based on 57 independent customer reviews.

DateProductScoreCustomer Comment

Jet Ski Insurance (New Policy Holder)

++

So easy thank you

Narrowboat Insurance (Renewal)

+

quick and efficient

Motorboat Insurance (Renewal)

++

Correspondence is always clear and concise. I always renew over the phone and find the staff both friendly and efficient, but importantly I feel I'm getting excellent value for money. I have never had to claim, but in the event I am confident that all would go well. I feel assured!!!

Yacht Insurance (Renewal)

++

so far l have been extremely pleased with the results l have received from towergate staff as they are always pleasant and very helpful to deal with

RIB Insurance (Renewal)

++

Very competitive rates and the girls were very polite and informative

Motorboat Insurance (Renewal)

+

Keep it up, the service you provide at the is very good. Regarding products it would help me to have a multi boat policy so I could just make one renewal per year instead of three.

Alistair

Motorboat Insurance (Renewal)

++

Friendly efficient staff.No time wasting questions.Straight down to business.Very pleased

Narrowboat Insurance (Renewal)

+

Good service but a bit slow on posting hard copies.

Yacht Insurance (Renewal)

++

always excellent service

RIB Insurance (Renewal)

++

telephoned to renew my boat insurance. the young lady l spoke to was very polite friendly and helpful what more could you ask for.
thankyou.

View all reviews >>

For a quote or insurance advice call:

0844 892 1987
01743 283277 Mon - Fri 9am to 5pm
Get a quote
or
Request a callback
Feefo logo
95%

Request a callback

I’d like you to beat my renewal price

Full name   Contact number     Please note: This service operates only during office hours.