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
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)
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:
- The policyholder is a UK resident aged over 18 years
- Craft must be under 30 years old
- Craft must be seaworthy
- Craft must be used for private/pleasure purposes
- Craft must not carry more than 12 people
- The policy application is subject to a flood risk assessment.
- You must meet our security requirements
Please see the Canoe and Kayak Insurance Policy Wording for full eligibility criteria.
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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.
View our Testimonials pages.