Purchasing insurance of any kind is not a particularly pleasant task, and it is something that many of us avoid unless absolutely necessary. canoe insurance is one type of insurance which a lot of canoe owners dont think about, but once you have found the ideal policy, you can enjoy your time out on the water. By obtaining a suitable canoe insurance policy you can rest assured that you and your canoe are safe to spend time on the water, with the knowledge that if anything were to happen, you would be covered.

The reason so many people enjoy canoeing is that it can be done on any water, and if youre an adventurer, discovering new places whilst out canoeing is part of the thrill. However, the type of canoe insurance policy you will be looking for will depend on the whether you prefer to go for a paddle on a calming lake or racing down white water rapids. Insurance for canoes depends on whether they are used in white water or not, with white water being defined as British Canoe Union Water Grade III or above.

Similarly to other types of insurance, no two canoe policies will be identical as everyone has different needs, such as the water you canoe on, how expensive your canoe is, how often you go canoeing and many more. So when purchasing canoe insurance, one important point to consider is exactly when your canoe is insured, as some policies include accidental damage whilst they are on and off the water, whereas others might not. Given the nature of canoeing, it is a well known fact that the majority of a canoes time is spent on a roof rack, and some policies do provide cover for any damage or theft incurred whilst in transit.

The main points you will need to consider when looking for canoe insurance are:
Third party liability
Legal expenses cover
Personal accident cover
Any discounts for BCU qualifications
Third party cover
Loss or damage by accidental damage, fire, theft, and malicious damage
Passenger liability cover