Specialist insurance for kayaking instructors and kayakers
The thrill of kayaking against a raging river is irresistible for most kayakers. But with this thrill comes unpredictability.
Specialist kayaking insurance through Insure4Sport can help provide financial protection should something go wrong on the water, or if your equipment is lost, damaged, or stolen.
Why choose Insure4Sport for kayaking insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated Excellent on Trustpilot and insurance provided by Aviva.
Types of kayaking insurance
Kayaking insurance: This option is best suited for individual kayakers and includes cover options such as Personal Accident, Public Liability, and Equipment cover.
Kayaking instructor insurance: Designed for kayaking instructors and coaches, kayaking instructor insurance includes all of the cover options available through an individual policy with the addition of Professional Indemnity and Employers’ Liability cover. To be eligible for this policy, you must have the relevant qualification from the appropriate governing body.
What does kayaking insurance cover?
Kayaking insurance
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following a kayaking accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to kayaking equipment up to £50k, including your kayak. Note: Single Article Limit is £2.5k
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide cover
- Any claims not arising from kayaking-based activities
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for kayaking activities)
- Loss or theft of any kayaking equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for kayaking equipment without evidence of ownership
- Theft, loss or damage to mobile phones
For more information, visit our Important Documents Page.
Kayaking instructor insurance
- Professional indemnity – up to £5m
- Public liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Employers’ Liability
- Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of kayaking
- Theft, loss and damage to kayaking equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Worldwide cover
- Any claims not arising from your participation in kayaking
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of kayaking)
- Loss or theft of any kayaking equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for kayaking equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information, visit our Important Documents Page.
Why should I consider kayaking insurance?
When at the mercy of moving water, you learn to expect the unexpected. That’s why instructors and solo kayakers may want to take precautions to protect themselves financially against potentially costly compensation claims.
Kayaking insurance through Insure4Sport can help provide financial protection in the following situations:
- If someone were to injure themselves and hold you responsible, damage property such as another kayak, or hurt another kayaker. This would be covered by Public Liability insurance.
- If something happens to your equipment, having kayaking insurance can help to financially protect your equipment from loss, theft and damage with Equipment cover.
- If you were to suffer an injury and need physio treatment or be unable to work for a period of time, Personal Accident and Loss of Earnings cover may be able to help ensure you aren’t left out of pocket until you have a clean bill of health.
FREE multi-sports cover
Take part in more than one sport? You could benefit from FREE multi-sports cover.
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Although having kayaking insurance is not a legal requirement, you may find that some boating clubs require you to have it before using their facilities or applying for a membership. Some inland waterways may also require you to have Public Liability insurance as a minimum, so it’s always best to check this before hitting the water.
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Whether your travel insurance covers kayaking will vary between insurance providers. You’ll likely find that your travel insurance only covers lower-risk kayaking activities such as kayaking in calm waters and not things like white-water kayaking, which can come with more risks.
If you want to take part in white-water kayaking or be covered for things like Loss of Earnings, you may want to consider getting specialist kayaking insurance with optional Worldwide cover.
Note: Kayaking insurance should not be used as a replacement for travel insurance.
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The cost of a kayaking insurance policy will vary from person to person, depending on the type and level of cover you choose. To find out how much your cover could cost today, you can get a quick online quote.
Do you want to insure your watersports club?
Explore sports club insurance to find out more information on how you can financially protect your watersports club with buildings and contents insurance.
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