Canoe Insurance
Canoe Insurance in UK
Canoeing is a perfect stress reliever which is simple and fun to do. But where should you get started in this domain of water fun? The first thing to consider before hitting your favorite lake is whether your canoe is insured. Canoe insurance covers you against a variety of events so that you have trouble free boating experience.
Things to consider when buying canoe insurance
When you buy canoe insurance ensure that it includes following aspects:
- Standard cover: This is a cover against any accidental damage, fire or theft. Apart from that it also covers against malicious damage and Third party liability cover.
- Third part only cover: Ensure that your policy covers a Third party only option.
- Equipment cover: Ensure that your policy includes hull cover, fittings and equipment.
- Most of the insurance companies offer third party liability covers for £ 1-3 million.
- The policy should cover existing (but hidden) defects present in your canoe.
- There should be a legal expense cover.
- There should be personal accident cover.
- People who qualify for British Canoe Union are given special discounts.
- Your cover should be provided while you are in transit.
There are certain insurance companies which exclude wear and tear. Also in case your canoe is aged and used, you will not get good insurance. Some companies do not cover your canoe if it gets scratched, dented or bruised while it is being transported.
Compare canoe insurance rates
When you are looking to compare the canoe insurance rates, you must look at some key elements before choosing your insurance provider.
- Comprehensive cover: Try to insure your canoe for comprehensive cover as this t includes insurance for any accidental damage, theft and malicious damage (including vandalism).
- Check that your policy provides you cover against theft.
- See that you have obtained a minimum of £ 1m Third party Liability insurance. This ensures that you have adequate insurance cover in case of injury to third party or any damage you have inflicted to their property while you are canoeing.
- If you plan to participate in races, mention that in your quote, as this may greatly affect your quotation.
- If you plan to take your canoe to white water then ensure that you have included that in your quote. (British Canoe Union has defined white water as water grade III or above).
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