Canoeing And Kayaking Life Insurance Cover 2025

In this brief guide, we will explain why, as a Kayaker, you should get life insurance cover.

We will even share with you how we can provide a competitive quote that is closely aligned with your needs. Read on to find out more.

Should I Get Kayaking Life Insurance Cover?

Canoeing and kayaking are considered higher-risk pursuits. If you have a family, what happens to them if you are injured during this activity?

Whether you canoe or kayak professionally or recreationally, why not enjoy your activity knowing your loved ones will be financially secure if you die?

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Do you have financial commitments? Consider life insurance if you have:

• An outstanding mortgage
• Outstanding personal loans
• Credit card debt
• Only one source of family income
• Family or dependents who are reliant on you financially
• Large bank overdrafts
• Hire purchase agreements

How Insurance Hero can help

Insurance Hero has established relationships with specialist underwriters in kayaking and canoeing.

The underwriters we use understand the British Canoeing grading system. This system ranks the difficulty of canoeing using a points-based system from one to six. Criteria include the distance from shore, water temperature, and whether you paddle at night.

Underwriters value our thoroughness in providing in-depth details of your regular canoeing activities, allowing them to grade you accurately.

Why pay more for life insurance and associated cover because an agent has not spent the time going through your canoeing activities precisely? 

Questions that we will ask through a fact-finding questionnaire will include:

• Are you a white-water canoeist?
• Do you canoe professionally as a sportsman or instructor?
• Do you canoe or kayak alone or in a group?
• Do you kayak on a lake or the open sea?
• Do you canoe near specific places known to be dangerous?
• Are you a member of the British Canoeing organisation?
• Are you a member or affiliated with any other bodies or an outdoor instructor?

If you are not involved in grade five white water canoeing, why should you pay a higher premium? It may result in your kayaking activities being excluded from a policy altogether, which is the worst outcome.

What Is Life Insurance Cover for Canoeing?

Life insurance covers your family and dependents should anything happen to you. An insurance underwriter will pay a lump sum if the policyholder dies in return for regular monthly or annual premiums.

Just because you are involved in kayaking does not mean your premiums will automatically be higher. We want your canoeing activities included in a policy and not excluded.

Contact Insurance Hero on 0203 129 8866 for a fast and free quote. Our small and friendly team will ensure you receive a competitive premium from underwriters specialising in providing life insurance cover for kayaking, canoeing, and other action sports.

What is Critical Illness Cover?

A policyholder covered by critical illness coverage receives a lump sum payout should they no longer be able to work due to a medical diagnosis or a medical procedure.

Not all illnesses or surgical procedures are covered, so it is essential to clarify what is covered before a policy commences. For example, not all types of cancer are covered. The terms and conditions of the critical illness coverage will include what is covered.

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For example, they may consist of some of the following:

• Heart valve repair or replacement
• Motor Neurone Disease
• Structural heart surgery
• Heart attack
• Blindness
• Liver failure
• Parkinson’s disease
• Alzheimer’s
• Stroke
• Brain tumour
• Heart surgery
• Benign spine tumour
• Pulmonary artery surgery
• Heart valve replacement or repair
• Progressive supranuclear palsy

The cost of critical illness cover will be affected by your existing conditions and, importantly, by your water activities as a canoeist or kayaker.

How does Income Protection work?

Income protection is insurance that covers you if you cannot work for a time. By paying regular premiums, you will receive a salary should you be unable to work, usually through an accident or illness.

The policy triggers after a pre-defined period, from as little as one month to one year after you stop working.

If you have an accident when kayaking, why not be able to focus on getting back to work, knowing your loved ones are financially protected?

If you have any of the following financial commitments, you should consider income protection:

• Personal loans
• Car loans
• Credit card debt
• Bank overdrafts
• Mortgage
• Equity release loan

Enjoy your canoeing or kayaking, knowing that your financial circumstances are watertight for any eventuality, including accident and illness.

Insurance Hero wants to help you provide peace of mind for your family. Contact our friendly team now at 0203 129 8866 for a no-obligation quote. Our competitive quotes may surprise you, even as a white-water canoeist.

Different types of sports-related life insurance coverage that we offer