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Boat Insurance


The Canoe England recommended boat insurance scheme


If you're looking to take out canoe or kayak insurance - look no further!  This cover, available exclusively to members of Canoe England is great value and most certainly the easiest to buy as it can be done at the time of taking out or renewing your Canoe England membership.

You can choose from two levels of cover, depending on whether you wish to cover an individual craft or up to three. If the policy is for an individual craft, the premium is based on its value.  

Your policy runs from when you purchase the insurance until the day your membership expires - so the ideal time to purchase the insurance is at the time of renewing your membership. 

The cover options are detailed below: 

Explorer            £27.50
Cover for any canoe or kayak you own, with a value up to £750. Within this amount there is a limit of £275.00 for any one paddle. Excess £50.00.

Explorer Plus    £45.00
For up to three canoes or kayaks that you own with a limit of £750 per craft. Within this amount there is a limit of £275.00 for any one paddle. Excess £50.00.

Elite                    £60.00
For specialist canoes or kayaks that you own, covering one craft with a value of up to £1500. Within this amount there is a limit of £275.00 for any one paddle. Excess £75.00, £50.00 in respect of paddles.

Elite Plus            £85.00
Cover up to three canoes or kayaks that you own, each with a value not exceeding £1500. Within this amount there is a limit of £275.00 for any one paddle. Excess £75.00, £50.00 in respect of paddles.

Extreme             £110
Cover for a canoe, that you own up to a value of £3,000.00. Within this amount there is a limit of £450.00 for any one paddle. Excess £100.00 £50.00 in respect of paddles.

Extreme Plus    £180
Cover Up to three canoes that you own, each with a value not exceeding £3,000.00. Within this amount there is a limit of £450.00 for any one paddle. Excess £100.00 £50.00 in respect of paddles.

Read the Policy Wording for more information.

If you'd like to discuss the Towergate Insurance boat insurance with someone, or take out a policy, please call us on 0845 370 9500 or email
membership@canoe-england.org.uk 



FAQs

Q. My BCU membership covers me for third party liability insurance when I am using my canoe. What is the situation if my brother is paddling as he is not a member?
A.
To provide for the eventuality of a non BCU member paddling a member's canoe, the Canoe England Canoe and Kayak insurance has a contingency cover that will cover a non member's third party liability up to £3,000,000.

Q. Will my canoe be covered for theft?
A. Yes, providing it was from a locked building, securely locked to an immovable object, securely locked to the roof of a motor vehicle, or if it is with its trailer, unless the trailer is secured by a hitch lock or in the case of a 'multi' canoe trailer, a wheel clamp.

Q. There is no mention of "white water" use in the policy, does this mean I cannot kayak in white water?
A. The BCU has consulted with its insurance advisors and it was decided to remove references to white water as it is difficult to define. Therefore there are no restrictions on the types of class of water you kayak in.

Q. Are competitions covered?
A. Yes, there are no restrictions on use.

Q. I am covered on holiday?
A.
Covers up to 30 days in Europe at any one time.

Q. What types of canoeing are covered?
A. All canoeing activities are covered, including competition.


Still unsure?

If you still have questions contact the administrators
Towergate Insurance
New Zealand House
160 - 162 Abbey Foregate
Shrewsbury
Shropshire
SY2 6AL

Tel: 0800 515 629     
Email: mardon@towergate.co.uk