Canoe Insurance from E&L

Online Discount

Although it is impossible to guarantee against the unexpected happening, E&L® Boat Insurance can help ease the financial burden should something go wrong. With personal accident and public liability coming as standard, you can be safe in the knowledge that you and your equipment are fully insured. Canoe and Kayak Insurance from E&L® is a safeguard, a must if you don't want to lose out financially.

Cover is provided for your Canoe and Kayak when in use on coastal or inland waterways, including white water rafting, during transit or whilst stored in a designated area.

  • 100% fire, theft, accidental loss or damage
  • 90 days per year European use as standard
  • Hire of replacement equipment, salvage charges, trailer and trolley cover also available
  • Up to £2.5m public liability
  • 10% online discount

Buying and owning a canoe or kayak can be expensive with average prices around £1000*. This and the unfortunate fact that accidents do happen make the need for insurance imperative.

E&L® Canoe and Kayak Insurance can help ease the financial burden should something go wrong

*www.canoeandkayak.co.uk

Check out the FAQ section

Canoe and Kayak Policy Information

  Monthly1 Yearly
Fire, Theft, Accidental Loss or Damage Max 100% of agreed value Max 100% of agreed value
European Use 30 days per occasion (max 90 days per year) 30 days per occasion (max 90 days per year)
Public Liability £2.5m £2.25m
Hire of Replacement Equipment Up to 10 days £50 limit per day Up to 7 days £50 limit per day
Personal Belongings Max sum insured value £2,500 £250 single item limit Max sum insured value £2,000 £250 single item limit
Personal Accident £15,000 £12,500
Salvage Charges Max 100% of agreed value Max 100% of agreed value
Wreck Removal Max 100% of agreed value Max 100% of agreed value
Trailers and Trolleys 100% sum insured or market value if less 100% sum insured or market value if less

Excess

The excess is the amount you pay towards a claim. A £50 excess is payable for each and every claim except for total loss/constructive total loss claims. If claims are made under more than one section of cover, an excess will apply to each section of cover under which a claim is made.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Canoe and Kayak Insurance:

  • 10% online discount

The total maximum discount per policy is 20%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Canoe and Kayak Insurance the following conditions must be met:

  1. The policyholder is a UK resident aged over 18 years
  2. Craft must be under 30 years old
  3. Craft must be seaworthy
  4. Craft must be used for private/pleasure purposes
  5. Craft must not carry more than 12 people
  6. The policy application is subject to a flood risk assessment.
  7. You must meet our security requirements

Please see the Canoe and Kayak Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our canoe and kayak insurance provides

Canoe and Kayak Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our canoe and kayak insurance terms and conditions.

Canoe and Kayak Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Canoe amd Kayak Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I covered for overseas travel with my canoe and kayak?

  • Yes. Cover is provided for up to 30 days per occasion, up to a maximum total in a year of 90 days while the insured canoe or kayak is being used on inland or coastal waters of the continent of Europe.

  • Back to top
  • Are my personal belonging covered under my policy whilst on the craft?

  • Yes. Items such as Wetsuits, Life Jackets, Paddles etc would be covered. Items over £100 must be specified at the time of taking out the policy. Please note that the maximum single item limit is £250. We do not cover personal effects such as Mobile phones, Money, Jewellery or Cameras.

  • Back to top
  • Are there any restrictions on height and length of the Canoe or Kayak?

  • Yes, the length of your canoe or kayak cannot exceed 30ft.

  • Back to top
  • Is my canoe or kayak covered for racing?

  • You are not covered for loss or liability when taking part in any racing or speed trials of any kind unless such usage has been agreed with us in writing and your policy endorsed accordingly.

  • Back to top
  • Is my canoe/kayak covered whilst in transit?

  • Yes along as it meets all the relevant security requirements.

  • Back to top
  • What different types of insurance do you offer?

  • We offer cover for canoes and kayaks for sea or river use, including white water.

  • Back to top
  • What is the excess canoe and kayak policy?

  • A £50 excess applies to each and every claim except for total loss/constructive total loss claims. If claims are made under more than one section of cover, an excess will apply to each section of cover under which a claim is made.

  • Back to top
  • What is the maximum value you insure?

  • The value of your canoe or kayak cannot exceed £5,000.

  • Back to top
  • What is the minimum age we can insure a craft user for?

  • The minimum age for insuring someone to take control of the craft is 14 years old. However, the policy must be set up by a parent or guardian.

  • Back to top