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What does canoe and kayak insurance cover?
We cover £3 million of public liability on our all of our canoe policies. That way if you injure someone else, or damage their property, your insurance will cover costs for which you are liable. It’s worth checking to see if you already have this cover elsewhere. If you have a membership to the BCU you will already have public liability in place, even if you haven’t added insurance as an extra. Public liability refers only to third parties so remember yourself, your family and friends are not insured under this cover, you will need to look at adding personal accident cover too.
If you brave paddling through white waters, you can add cover for this too. It will ensure that while navigating these tricky stretches damage caused by underwater objects, collisions and if you’re really unlucky, a total loss of your kayak, are insured. This cover is only available if you choose to add it to your Gold policy so please let us know when you speak with us, or tick the box to add cover when you buy online. White water cover does not automatically give you racing cover and you must speak to us over the phone if you would like to race.
Accidental damage is included on our Gold insurance and can cover damage caused by collision with rocks which lie sneakily close to the water’s surface and cause scrapes to the bottom of your canoe or kayak. Accidental damage ensures you have cover for repairs or full replacement of your canoe in this scenario and for a few other mishaps that might occur. We suggest being a little careful when you’re canoe is in transit as scrapes and bumps that occur during transfer will not be included.
We are proud to work in association with the British Canoe Union to ensure that wherever you’re paddling in amongst Britain’s waterways, you’re still protected. That’s why if you purchase a BCU membership you can also choose to add insurance at the same time. There are varying levels of cover available to suit your style of paddling including options for different levels of racing. Alternatively, if you don’t need a BCU membership, you can add racing cover to policies administered by Towergate too. We underwrite and handle claims for both BCU policies and our own, so either way you’re in safe hands.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Whether you are insured with us through the BCU or through ourselves, you can get your claim started right away.
If you have purchased our insurance through the BCU you can fill in a claims form.
Photographs of any damage will help your claim along as the team can better assess what kind of repairs need to be made.
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To make sure a trailer is secure whilst carrying your canoe we ask you to 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 canoe and trailer, it also means your insurance will still be fully valid if the worst does happen.
If you are using your kayak on white water then all you need to do is let us know. Whether you are setting up your 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.
Towergate policies cover grades 1-5 defined by the British Canoe Union. To learn more about water grades read our guide to water grades.
If you would prefer to spread the cost of your 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.