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Paddle UK insurance zone

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Insurance for members

The cover applies only to activities authorised or recognised by British Canoeing.

As part of your membership with Paddle UK, Scottish Canoe Association, Canoe Association of Northern Ireland (including members of CANI resident the Republic of Ireland) and Canoe Wales you automatically receive the benefit of the Combined Liability insurance.

To understand what these covers are and to see the main terms and conditions that apply please make sure you refer to the policy summary and policy wording which can be found in the downloads section below.

The annual policies run from 1st November 2023 to 31st October 2024. The policy limits are as follows:

Policy details and limits
  • Public Liability - worldwide cover for your legal liability of up to £10,000,000 (£250 excess). Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.

 

 

Important Information

  • Club Associate members receive Public Liability (third party liability) insurance for any activity that has been assessed as part of the club’s activity, in accordance with the new definition of club activity.
  • Club Associate members are also covered by insurance when they coach and lead groups within the constraints of ‘club activity’, as long as they have undertaken a competency framework assessment.

Please note - As from 1st October 2020 club activity for English based clubs affiliated to Paddle UK is defined as: ‘Any activity that has been assessed as part of the club’s safety framework and promoted on the club calendar, website or noticeboard.’ ‘Club activities also include inter-club activities where the responsibility for risk assessment and management is carried out and then shared between all participating clubs.’

Useful downloads

Frequently Asked Questions

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.

No. If members are paddling outside a club session then they will need their own Paddle UK On The Water membership to be covered for third party liability insurance, or they need to take out their own insurance elsewhere.

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.

Yes, the public liability insurance provided will defend your position, should you be sued for injury to a third party or damage to a third parties property. Please note any claims relating to deliberate or criminal acts are excluded.

We recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information. In respect of Safeguarding allegations records should be kept indefinitely.

Public Liability insurance up to £10,000,000.

If your query relates to the insurance policy please contact our insurance broker, Marsh Sport on either 0345 872 5060, or by email. 

Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.

Yes, the Hiscox Liability cover extends to those members/coaches residing in these territories.