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Canoe and Kayak Policy Information

  Monthly1 Yearly
Fire, Theft, Accidental Loss or Damage

In the event of fire, theft, accidental loss or damage we will pay up to the agreed value.

Max 100% of agreed value Max 100% of agreed value
European Use

Cover 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.

30 days per occasion (max 90 days per year) 30 days per occasion (max 90 days per year)
Public Liability

Your legal liability to a third party for the amount you become legally liable to pay as a result of your interest in the insured canoe or kayak.

£2.5m £2.25m
Hire of Replacement Equipment

Cover for the reasonable costs incurred to hire a craft similar to yours if it becomes unusable for more than 24 hours because of loss or damage covered under your policy and cannot be repaired or replaced before a planned holiday.

Up to 10 days £50 limit per day Up to 7 days £50 limit per day
Personal Belongings

We cover you for the loss of or damage to personal belongings as defined in this policy belonging to you or your immediate family.

Max sum insured value £2,500 £250 single item limit Max sum insured value £2,000 £250 single item limit
Personal Accident

Cover following accidental bodily injury resulting in a) death b) loss of total sight c) loss of two or more limbs d) deafness in both ears e) permanent total disablement following an accident. Benefits reduced to 25% for any persons aged over 75 or under 18 years of age.

£15,000 £12,500
Salvage Charges

We cover the reasonable costs incurred in minimising or averting loss or in saving the craft from a loss which would be covered under your policy.

Max 100% of agreed value Max 100% of agreed value
Wreck Removal

We cover you for the reasonable costs for the removal, destruction or raising of the craft wreck, including unsuccessful attempts, which become necessary as a result of a loss which would be covered under your policy.

Max 100% of agreed value Max 100% of agreed value
Trailers and Trolleys

We provide cover for your trailer or trolley against fire, theft following forcible entry, or accidental damage when specifically insured under this policy if normally used for transporting your craft, up to the cost price, market value or the sum insured amount (whichever is less).

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 £60 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)