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About Visicover's Kayak Insurance
Whether you just enjoy leisurely paddling or love competitive racing, getting the right type of kayak insurance is important.
Not everybody’s insurance requirements are the same, so unlike some policies which charge you for cover whether you need it or not, at Visicover we believe you should only pay for the cover you want.
Our kayak insurance, winner of the 2022 'Broker Innovation of the Year Award', is designed to be flexible, letting you tailor your cover to your precise wishes. Among the options available are:
|Vessel Loss or Damage|
|Covers the cost, up to the cover limit selected, for repair or replacement arising from physical loss or damage to your kayak, subject to certain specific exclusions and the excess you have chosen. *|
|Third Party Liability|
|Covers sums, up to the cover limit selected, which you are legally liable to pay arising from ownership of the kayak for death or injury to a third party, or damage to their property, subject to certain specific exclusions. *|
|Pays a selected financial benefit to any person who dies, disappears or sustains a serious injury while they are embarking, on board or disembarking the kayak with your permission, subject to certain specific exclusions and a maximum number of persons which you select. *|
|Covers costs, up to the cover limit selected, arising from the attendance of a qualified Medical Practitioner as a direct result of an accidental injury sustained on the kayak, subject to certain specific exclusions and the excess you have chosen. *|
|Covers costs, up to the cover limit selected, for repair or replacement to your or your immediate family’s personal belongings which are lost or damaged on the kayak, or in transit to and from the kayak, subject to certain specific exclusions and the excess you have chosen. *|
|Marine Legal Protection|
|Covers legal advisers’ costs up to a set value to help you pursue or defend a claim relating to the kayak for uninsured loss recovery, personal injury pursuit, contract disputes or prosecution defence arising from your ownership or use of the kayak. Subject to certain specific exclusions. *|
|Trailers and Trolleys|
|Covers costs, up to the cover limit selected, for repair or replacement to your kayak’s trailer or trolley for loss or damage arising from fire, theft, collision, or accident in use, subject to certain specific exclusions and the excess you have chosen. *|
|Protects your no claims discount entitlement in the event that you make no more than one claim under the policy in a year. *|
|Search, Rescue and Evacuation|
|Covers costs, up to the cover limit selected, for search, rescue, and evacuation operations in relation to any person on board the kayak with your permission, subject to certain specific exclusions. *|
|Racing or White Water Cover|
|Add cover for use of your kayak while racing, slaloming or white water navigating.|
|Race Fee Cover|
|Covers the cost, up to the cover limit selected, for lost entry fees for any races you have booked but are unable to participate in due to insured loss or damage to the kayak, subject to certain specific exclusions. *|
|Select where you use your kayak, from inland waterways to coastal stretches.|
* For full details of the options available, including any exclusions, conditions or special clauses, please refer to the Policy Booklet
About Visicover's Service
Visicover is a unique service that not only enables you to buy your kayak insurance online but to also amend it online whenever you want. This applies to just about all aspects of your policy, including updating your values insured, changing most cover options, redefining your cruising areas, amending who may use your kayak, selecting different payment methods or even changing the vessel type insured if you buy a different boat.
The ability to update your policy as your requirements change may reduce your premium by removing cover you no longer need. In addition to this flexibility we offer:
|Interest Free Instalments|
|Pay your full premium when you arrange cover or pay a 30% deposit and spread the balance of your premium over 8 monthly instalments at no additional charge (0% Apr). Note, if you are paying by instalments and have a claim, the balance of the years premium becomes payable immediately.|
|Up to 25% No Claims Discount|
|Earn a discount for each claim free year your kayak insurance is in force up to a maximum of 25%.|
|24-Hour Claims Hotline|
|A 24-Hour claims hotline is available so help is on hand when you most need it.|
|The Security Of Allianz|
|Allianz Global Corporate and Specialty (AGCS) is part of the Allianz Group and is one of the leading marine insurance providers in the market today. They underwrite our kayak insurance cover other than the Marine Legal Protection option which is arranged through ARC.
AGCS are authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
In addition to kayak insurance we can cater for a wide range of other vessel types. Please click below for details of the cover options available for different vessels:
Unfortunately, we cannot cater for some vessels, such as those used for commercial purposes other than charter (e.g. commercial trawlers, commercial ferries etc).
|Download a Policy Summary or Booklet||Policy Summary Policy Booklet|
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