Canoeing is a recreational boating activity or paddle sport in which you propel yourself using a paddle, under your own power. It is a great way to explore the world from a different perspective and a popular sport people enjoy both as a method of relaxation or exercise. Since water sports come with added risks such as unpredictable currents, overhanging or submerged branches and extreme weather conditions, you may be interested in life insurance for canoeing.
What is life insurance for canoeing?
A life insurance for canoeing policy can be put in place to protect your loved ones financially in the event of your death. The cash sum can be used by your family to help cover everyday living expenses such as bills, rent, mortgage repayments or childcare.
What other types of insurance for canoeing do you offer?
Anyone with a family, and particularly anyone who participates in a high risk sport or occupation should consider life insurance, critical illness cover or income protection. This can provide you with financial peace of mind knowing you, your loved ones and your assets are protected should you be unable to sustain an income as a result of an injury, sickness or death.
Income protection
This type of cover is also worth considering which involves an insurer paying benefits to a policyholder who has become incapacitated. So, if you become unable to work due to illness or accident, income protection during the term of your policy, you will be financially protected. Put simply, if you become unable to work, income protection makes sure you receive a regular income until you retire or are able to return to work.
Critical illness
We also provide critical illness cover, this policy provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities during the term of your policy. This tax-free, one off payment can help you pay for treatment, mortgage or rent payments, or even changes to your home such as wheelchair access (should you need it).
Hazards of canoeing
Although canoeing may appear to be a relatively chilled out sport, it is important to be aware of the risks involved. After all, this sport is not considered higher risk for no reason. Here are some of the main hazards to know about:
- Water- drowning, contraction of illnesses.
- Rubbish- cuts
- Unpredictable weather- hypothermia, immersion hypothermia
- Cold water- hypothermia, immersion hypothermia
- Locks/ weirs- getting caught in deep recirculating hydraulics
Why chose Sports FS for life insurance for canoeing?
Sports FS have over 20 years of experience and knowledge providing life insurance for extreme sports. Our advisors have a sound knowledge of canoeing and access to the whole market. This means we can get you the right level of cover for your sports and at the best rates. Here are some of the benefits of working with Sports FS:
- Specialist cover designed for your sport
- We can save you valuable time and confusion
- Our quote takes your sea kayaking activities into account (so is more accurate)
- Endorsed buy The Outdoor Industries Association (OIA)
What is the difference between canoeing and kayaking?
If you are not an avid canoeist or kayak enthusiast, you may be wondering what the difference is between the two. One of the key differences is the paddle used. Typically, in canoeing, a single-bladed paddle, whereas kayak paddles tend to be double-bladed.
Other differences include that canoes are much bigger than kayaks and are built with wide frames and open tops. Canoes are traditionally designed to carry more people and more equipment. Kayaks on the other hand provide less space but come in a much sleeker design.
More about canoeing
Since civilization started, the canoe has been a staple piece of equipment. The earliest known canoe artefact is the Pesse Canoe in the Netherlands. Carbon dated between 8040 and 7510 BC, the canoe was discovered by a farmer in 1955 when an area near his home in Pesse was being dug up to make a roadway. Over the years the materials in which canoes are made has varied considerably from carved trees to high tech fibres and resins. While it’s hard to give a specific date to their construction (due largely to Western Colonialism), the Senegalese coast in West Africa has a fascinating canoeing tradition.