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Insurance

British Canoeing have entered into an exciting new partnership with Towergate Insurance to provide a holistic insurance solution, covering its affiliated clubs, members, coaches and volunteers whilst enjoying the sport.

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What does the Insurance cover?

By being a member of British Canoeing, Scottish Canoe Association and Canoe Association of Northern Ireland either as members, officials, committee members, affiliated clubs, coaches, coach educators, volunteers or events you are entitled to insurance to protect you if you are held responsible for causing injury to another person or financial loss or damage to someone else's property. 

Details of the cover can be found below, along with what to do in case of an incident. Please read the Frequently Asked Questions for answers to specific questions. 

The Policy Schedule, Insurance Summary and Policy Wording can be found in the Useful Download section at the bottom of this page. 

Individual Members 

As an individual member of British Canoeing, Scottish Canoe Association and Canoe Association of Northern Ireland you have Combined Liability Insurance which provides for legal liability cover following negligence, nuisance or trespass. 

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Cover: 

Public / Products Liability: To a limit of £10 million for any one occurrence, including member to member liability, professional advice and criminal proceedings costs. 

Geographical Limits: Worldwide (excluding USA and Canada for Management Liability)

Excess: There is an policy excess of £250  to pay should you need to make a claim under the Public and Products Liability.

Claims Procedure: In the event of an incident likely to give rise to a claim, please check the Claims Procedure and notify Towergate as outlined as soon as possible. 

Frequently Asked Questions: Please read the FAQ's for Individual members.

Affiliated Clubs 

Clubs have a duty of care responsibility to ensure anything they do does not cause injury or financial loss to others or damage to their property. If anything did occur, the officers and officials in the club could find themselves legally liable to pay compensation. 

Any club affiliated to British Canoeing, Scottish Canoe Association or Canoe Association of Northern Ireland is covered by the following insurance. 

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Public / Products Liability: To a limit of £10 million for any one occurrence, including member to member liability, professional advice and criminal proceedings costs. 

Geographical Limits: Worldwide (excluding USA and Canada for Management Liability)

Excess: There is an policy excess of £250  to pay should you need to make a claim under the Public and Products Liability.

Employers Liability: To a limit of £10 million for any one occurrence, in the event of injury to someone working for, or with, the club. 

Directors and Officers Liability: To a limit of £10 million for any one period: Personal legal liability arising from a claim against any insured person from a claim against any insured person for any wrongful act. 

Please Note

Members of affiliated clubs are insured for recognised sessions and activities of the club. However, these club members will not be insured if they are canoeing or kayaking at other times. 

If you think you will be canoeing outside of sessions organised by your club you will need to purchase your own membership from the Home Nation where you live. 

Frequently Asked Questions: Please read the FAQs for clubs. 

Coaches 

Coaches are provided with the insurance cover as individual members, and also to Professional Indemnity insurance cover. 

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Professional Indemnity Insurance: Indemnity Limit of £10 million for any one occurrence, covering loss (financial or otherwise) arising out of errors and omission. 

To be entitled to this extension of cover, coaches will need to be current and updated. 

The policy has a turnover limit of £25,000; if you earn over this amount you will need additional cover. 

Frequently Asked Questions: Please read the FAQs for coaches.  

Claims Procedure

Incidents do occur, and if you are involved in an incident, please make sure you gather the following information:

  • Date and time of the incident
  • Details of those involved, including any witnesses (name and contact details)
  • Location where the incident occurred
  • A brief description of the incident

Claims Procedure: In the event of an incident likely to give rise to a claim, please contact Richard Hancock either by phone or email.

Telephone: 0207 3376 688 or 07725 574 693
Email: richard.hancock@towergate.co.uk

Frequently Asked Questions

We have answered some of top questions we get asked, and you can find a full list broken down into Individual Members, Clubs and Coaches within the Useful Download section. 

Individual Members 

What is the age limit? 

There is no age limit linked to the Insurance policy. 

Does the policy cover non UK residents? 

Insurance cover is only available to members who have a permanent UK address. Such members are covered for their liabilities in terms of recognised activities in bot the UK and overseas, provided that any overseas trip is recognised/authorised by British Canoeing. 

Please note CANI members residing in Ireland are insured, whether they are an individual full member or CANI or whether they are a CANI club member. 

Any member permanently living abroad is not covered.   This is not a Travel Insurance policy. 

If I am injured can I claim from the policy? 

No, if you are injured you may wish to seek legal advice on how to pursue a claim against the person responsible for causing the injury. 

Coaches

What do I do if I become aware of, or am involved in an incident? 

You should record all relevant information as soon as possible.  If there are verbal or written allegations made against you, you should notify Towergate of the incident. 

The policy schedule says all coaches must hold a qualification, does this mean as an experienced volunteer, I am not covered for helping at club sessions anymore? 

Under the terms of the policy both "experience" and formal qualification is included.  British Canoeing recognises the important work that goes on in clubs via experienced personnel.  We would recommend that clubs ensure they audit these volunteers against their experience. 

The types of activities being run by experienced individuals will typically include running basic and improvers skills sessions, competitive training events, time trials or club trips or journeys.

Clubs 

What activities are clubs covered for? 

In addition to recognised British Canoeing activities, clubs are covered for all activities typically associated with the running of a club, including administration and social events. 

What protection do I get as a committee member? 

The club insurance provides Directors' and Officers' cover to protect you if you are sued for negligent decisions. 

Are club members insured via the club for arranging their own paddles through social media? 

No, they would need to be individual members to be insured.  If, however, this is a club activity and the club has deployed a suitably experienced leader, cover would be in place for the club and its members. 

Do we have cover if employees are injured?

Clubs receive Employers Liability insurance through their affiliation to British Canoeing. This insurance protects the employer in the event of an injury to an employee, for which the employer is liable. 

Are non-members covered by the policy for "taster" sessions?

Individuals who may be interested in joining a club are insured for a maximum of 4 initial "taster" sessions. 

For indemnity to apply it is essential that the club records their name, address and dates of attendance. These details must be retained as they may be called upon in the event of a claim.