Do I need Canoe Insurance?

Is your canoe covered under your home insurance? And how could you benefit from stand-alone canoe or kayak insurance? This article looks at how to make sure you have the best insurance cover in place for your canoe.

A few years ago some insurers very quietly decided to stop insuring watercraft items such as canoes and kayaks under their contents. This means that even if you have full cover for Home Insurance and “everything” in house, garden, garage or away from home you could still end up shelling out in the event of a dented hull or a lost paddle. Making sure you have kayak or canoe insurance could make all the difference.

Paddles from reputable sellers can sell for anything in between £17.00 to £150.00 which may not seem like a capsizing cost at first but if you come across a surging rip tide which claims your paddle or a hidden rock which breaks it in two you could end up paying the price when you find that your insurance doesn’t cover you.

Finding yourself up the creek without a paddle isn’t the only risk to drain your bank account however. If you lose your canoe or kayak to the river bed you could be looking at thousands to buy a replacement, and that’s not just the boat but all the accessories and equipment that came with it. To make sure your insurance is all plain sailing follow our Towergate Tips and you can stay afloat even when your craft doesn’t.

Tips for making sure your canoe is insured

  • When purchasing or renewing home insurance make sure you double check what is covered and what isn’t. You may find that cover for your canoe is no longer included. If your home insurance doesn’t cover your canoe, read our guide to canoe insurance for more information on insuring it on its own policy.

  • Some kayaks could be classed as sports equipment under one insurer but not another. So always check the terms.

  • Be clear about what you want and get it in writing.

  • If you are advised that your watercraft is covered underneath your home and contents insurance be sure to make a note of the time and date of the call as well as the adviser you spoke to. This could help you when you come to claim at a later date in case you are told that you aren’t covered.

  • No matter how distinctive your vessel may be it doesn’t mean that it is easily traceable if it is stolen. Don’t assume that it will be easily recovered if there are only a few of them in the country.

  • If you do find yourself in the unfortunate situation where your watercraft is stolen make sure you contact the police as soon as possible to get an incident number to enable you to claim for the theft.

  • It is also beneficial to set up email alerts on Gumtree, eBay and other listing sites for the next few months so if the thief tries to sell it on you may be able to catch them.

  • Register your property at Immobilise which is designed to work with your local authority which could help to flag up your stolen item and stop the sale from happening.

  • Don’t just insure your larger vessels separately and leave your smaller craft overlooked, you could insure your canoe or kayak for under £50.00 a year which could save you hundreds.

Written by Emily Sullivan

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