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Canoe and Kayak Insurance

A range of insurance policy options for canoes and kayaks

  • We are proud to work in association with the British Canoe Union
  • We keep things simple with just a £50 excess to pay for any claim
  • We’re with you every step of the way; from quotes, to questions, to claims

Start your quote and buy online

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Need assistance? Call our UK based team

0344 892 1987
0344 892 1987

Weekdays 9am - 5pm
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Our canoe and kayak insurance features

Public liability insurance for canoes

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.

White water

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 and underwater objects

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're proud of our partnerships

We are proud to work in association with British Canoeing to ensure that wherever you’re paddling in Britain’s waterways, you get the right level of cover – be that for third party, or added protection for your canoe, kayak, stand-up paddleboard, helmets or paddles. We’re also members of British Marine and share their passion for the marine industry.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Canoe and Kayak Insurance Claims

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.

Need to speak to the claims team?

We’re here to help so call us on:

0330 018 2292

Canoe and Kayak Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your canoeing insurance:

Canoe And Kayak Essentials


Top Ten Things to Take Kayaking

Not sure what to take kayaking? Whether you're paddling down the canal or white water kayaking, we've got a list of the best items to take.

White Water Kayak


Canoeing Water Grades Explained

The British Canoe Union (BCU) is the lead organisation supporting canoeing and kayaking in the UK. They have set up a grading system to help people assess which areas are suitable for their canoeing ability. In this article, we explain how the grading system is calculated and how you can be sure that you aren't putting yourself in unnecessary danger.

Lancaster Canal


Top 10 Scenic UK Waterways

Few experiences can match up to boating on one of the UK’s waterways so we’ve put together a top ten list of our favourite canals and rivers so you can enjoy some of the best of the UK from your craft of choice.

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 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.

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 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.

Which water grades would I be covered for?

Towergate policies cover grades 1-5 defined by the British Canoe Union. 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 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.

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