Canoe and Kayak Insurance

Flexible canoe and kayak insurance with theft cover as standard. Options for both non white-water and white-water use. An easy online quote and buy system and dedicated claims team.

About Canoe and Kayak Insurance


Flexible canoe and kayak cover

Options for both non white-water and white-water use.


Quick and easy claims

Dedicated team to settle your claims as quickly as possible.


Theft cover for canoes and kayaks

Theft cover provided as standard (check security conditions applicable).

Direct Debit

Pay by Direct Debit

You can split your canoe and kayak insurance payments into monthly instalments.

Features of Canoe and Kayak Insurance

Standard cover

Theft cover for canoes

We all know that the portability of canoes and kayaks make them an easy target for criminals. Fortunately, theft is covered (at market value), so you can enjoy some peace of mind. Just make sure that you secure your craft to keep it safer and meet the policy conditions for cover to apply.

White-water use

We have options for both non white-water and white-water use, available to buy online. This means that while extreme sports enthusiasts are navigating tricky stretches, damage caused by collisions or underwater objects is covered. Total loss of your canoe or kayak is also insured.

Online quote and buy

Our online quote and buy system is tailored to canoes and kayaks. You'll only be asked the questions that are relevant to your craft type, saving you time and effort.

Dedicated claims team

Should you need to make a claim, we have a dedicated team on hand to authorise repairs or agree to payments. This way, you can get your canoe or kayak claim settled as quickly as possible.

Canoe and Kayak Insurance FAQs


What happens if I cannot visit my boat during the covid-19 pandemic?


We understand that due to the Covid-19 outbreak you may be unable to visit your boat. Read our FAQs for this situation.


What security do I need to cover my trailer?


To make sure a trailer is secure whilst carrying your canoe or kayak, we ask you ensure that a wheel clamp or hitch lock is fitted to the trailer whilst it is unattended. Not only does it help to deter theft of your craft and trailer, but it also means your insurance will be valid if the craft is stolen.


Can I cover my kayak for use on white-water?


If you are using your kayak on white-water, then all you need to do is let us know. Whether you are setting up a policy online or over the phone, you will be given the option to choose white water cover. Similarly, if you would like to add this on mid-way through your policy, you are more than welcome to do so by giving the team a call. Bear in mind that prices differ according to craft type.


Which water grades would I be covered for?


Towergate policies cover grades 1-5 defined by the British Canoe Union (all white-water grades). To learn more about water grades read our guide to water grades.


Can I pay in instalments?


If you would prefer to spread the cost of your canoe and kayak insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

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.


Where can I find full details of my policy?


We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0330 018 2292 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim