Full Cover - Accidental Damage plus Third Party, Fire and Theft

Full cover includes fire and theft from a locked building (theft from roof racks/trailers also available), damage in use, damage in transit and third party liability to £1,000,000

Third Party, Fire and Theft Cover

This is the cheaper alternative to full cover, covering fire and theft from a locked building as well as third party.

Standard

With standard cover the amount you choose to insure your items for (the sum insured) should represent the current market value of your item. If you make a claim for the total loss of an item we will calculate its depreciation as follows: the sum insured, less 10% each year (on the basis of 12 months from the start of insurance) up to a maximum deduction of 50%.

New for Old

With new for old cover the sum insured you choose should represent the new purchase price for the same/similar item. This cover is only available for items within 5 years of age. If you make a claim for total loss we will replace the craft up to the sum insured value.

Placid Water

Up to and including Grade II rivers, including sea kayaking and placid water competitions.

White Water

Rivers of Grade III and above, including sea surfing.

White Water Competition Use

Rivers of Grade III and above, including sea surfing for competition use. Those selecting this option may also want to consider contacting us to add European Use.

Roof rack / Trailer theft cover

Single kayaks should purchase this extension to be covered for theft from a roof rack or trailer. Sea kayaks, double kayaks and open Canadian canoes are automatically covered for this and so will not need to select this option.