Canoe Insurance

Canoe and Kayak insurance covering you up a creek with any paddle

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

Know what you need? Get a quote and buy online.

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Need a more in depth chat? Our team are here to help from questions to quotes.

0344 892 1987
0344 892 1987

We’re here for you Mon - Fri 9am to 5pm
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Our policy can cover you for a range of canoeing and kayaking activities. Below we have described just a few ways you’ll be protected in detail but to see a full comparison of our policies check out our handy table.

Public liability

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.

Racing cover through the BCU

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

It’s the moment of truth – you need to make a claim.

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:

0344 892 1320

Articles & Guides

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

Canoe And Kayak Essentials


Top Ten Things To Carry In Your Kayak Or Canoe

Whether you're taking your kayak for a chilled paddle down the canal or getting gnarly with some extreme white water your personal safety and that of other paddlers should be first and foremost on your mind.

Canal History


A brief history of canals and narrow boats

Inland waterways have been pivotal to the UK transportation system for centuries. Our infographic picks out a few of the key points in the history of our inland waterways and explains how they have been and always will be a strong part of our national heritage.

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.

Customers rate our service at 92%

Based on 1703 independent customer reviews.

DateProductScoreCustomer Comment

Boat Insurance (New Policy Holder)


quick and efficient service

Boat Insurance (Renewal)


There was a problem with sorting out a lost payment which had been received by Towergate however their record on settling claims has been excellent.

Boat Insurance (New Policy Holder)


It is unbelievable that despite a letter from Towergate on 19 November 2014 providing details of a change in management of my policy and clearly stating that "there is no impact on your existing policy and nothing else will change" and further that "we will contact you in advance of your next renewal" i was not contacted at all in advance of my renewal in mid-May 2015.

Towergate let my policy laps with no further correspondence and when I chased them I was treated as a new customer, so clearly again not as the letter from Towergate stated "as a Towergate customer, your business is as important to us as it is to you"

How can Towergate get basic policy renewal and customer service so wrong?

i wonder how many other Towergate customers have been left uninsured?

The only glimmer of hope, when i did eventually get to speak to someone he was sensible, pragmatic and helpful.

Boat Insurance (Renewal)


No nonsense canoe insurance with no silly small print. Thanks.

Boat Insurance (Renewal)


No different to other years

Dinghy Insurance (New Policy Holder)


Website was quick and easy to use.

Boat Insurance (New Policy Holder)


did not receive renewal notice reminder last year.

Dinghy Insurance (New Policy Holder)


Quick clear and reasonable

Dinghy Insurance (New Policy Holder)


Simple and adequate dinghy insurance at a reasonable price.

Dinghy Insurance (New Policy Holder)


I was very impressed with the speed Towergate was able to guide me to the correct form to fill in for our small boat insurance and the speed of acceptance and follow-up with the paperwork - quick and simple - thank you

M H Iddon

More reviews


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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