Sea kayaking is an excellent sport choice for anyone wanting to get some exercise, explore the coast or undertake a longer distance paddling expedition. It is, however, important to consider that this activity is challenging and demands a certain fitness level and skill. If you regularly participate in this sport, you may be interested in sea kayaking insurance.
Each year, more and more people take up sea kayaking to appreciate the coastline from a different perspective and get the chance to spot the seals and seabirds who inhabit this wild environment. This has led to an increase in sea kayaking related injuries, luckily, with the right cover in place, you can enjoy your sea kayaking activities with financial peace of mind.
What types of sea kayaking insurance do you offer?
Sports Financial Services were first founded more than 20 years ago as Summit Financial Services, dedicated to finding the best insurance for mountaineers. Over the years, many of our mountaineering clients came back to us, looking for other specialist sports insurance.
We soon realised it was time to develop our expertise in a wider range of high risk sports and outdoor activities to cater for those people in need of cover. As a result, Sports Financial Services was born.
We specialise in three types of sea kayaking insurance; life insurance, critical illness cover and income protection. The underwriting for specialist life insurance can vary depending on a number of factors such as; your insurance provider and your level or participation in said sport. We will talk you through all of this in detail and answer any questions you may have.
Life insurance
A life insurance policy is a contract held between a policyholder and insurer. This type of policy involves an insurer promising to pay a designated beneficiary a sum of money upon the death of the insured policyholder.
In the case of a regular sea kayaker, your risk of injury and death are increased due to the risk and unpredictability of any sea activities. Therefore, it is important to get the right level of cover to ensure you and you and your loved ones are financially protected should the worst happen.
Critical illness cover
Another type of sea kayaking insurance you may want to consider is critical illness cover. This can cover certain illnesses or medical conditions that could disrupt your life, family or finances.
Income protection
Sports Financial Services also offer income protection, a form of protection which can provide you with peace of mind that should you face an illness or injury that prevents you from working, your finances are covered. If you have any type of loan, mortgage or regular bills, it’s important to consider how you would meet these payments if you lost income as a result of being unable to work.
Cover for some sports can be offered at standard rates with no special terms imposed whilst participation in other sports may result in premium loadings, special terms, restrictions or exclusions. Your sports specialist at Sports Financial Services will talk you through the options available to you based on a number of factors such as your sea kayaking activities, occupation and lifestyle.
Why choose Sports FS for sea kayaking insurance?
As a specialist insurer, we have access to the whole market, the best deals and most importantly, we have an excellent understanding of your sport and the level of cover you need. Having the right cover is crucial because it ensures that you are protected should anything happen as a result of your sea kayaking activities.
- 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)
More about sea kayaking
Contemporary sea kayaking is said to have originated from the native boats of Russia, Alaska, North Canada and Southwest Greenland. Inuit (formerly known as Eskimo) hunters developed these streamlined sea craft as a way to make hunting seals and walrus easier. Whilst it is unclear exactly where and when this technology was first invented, it is predicted to be at least 4,000 years old.
The modern name “kayak” is derived from the ancient Aleutian “iqyak“, meaning “man-boat” or “hunters-boat.” The hunter’s family would carry camp and supplies in a larger type of kayak called an “umiak”.
Today, sea kayaking is used more commonly as a method of exploration or sport instead of hunting. As kayak designs began to advance using modern materials it’s interesting to see that kayaks still look, feel and perform very much like the original kayaks. This shows that despite all of our modern technology and software used for engineering, we cannot really improve the intuitive design created by the kayaks’ original innovators.
Contact us for sea kayaking insurance advice and cover