Canoeing & Life Insurance

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CanoeingCanoeing can be an incredibly serene or action packed sport and it’s something that insurers often want to know about.

When you apply for life insurance, canoeing can potentially come up in the question set and there are some key things that we tend to ask:

  • How often are you canoeing?
  • Are you a part of a group of solo canoeing?
  • Are you doing this in the UK or abroad?
  • Are you canoeing competitively?

Different insurers will view canoeing in different ways, especially if you are taking part in competitions. It is often best to speak with an adviser like us, who will know where to place your application.

It is possible to get life insurance for canoers or kayakers at standard terms, depending upon your circumstances and the insurer you choose.  

For individuals who take part in competitions you may find that the insurer increases the policy premiums. But canoeing doesn’t always come up in insurers question set, so you might still be able to get standard terms of cover.

It’s all about finding the right insurer for you, which is where our team stand out.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover applications that include details of canoeing can often be available at normal terms. This means no premium increase or exclusions related to the canoeing.

If you are doing more risky activities such as whitewater kayaking, this can really determine which insurer is going to be right for you.

It might be that you can still access standard terms for critical illness cover, but there can be times where premium increases or exclusions linked to the canoeing might be offered.

Our advisers are here to find the insurer that is going to offer you the best critical illness cover possible.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for canoers can often be available at standard rates so long as the correct insurer is chosen for you.

Sporting activities can lead to a lot of situations where you could potentially place a claim for income protection. This can mean that some insurers might consider putting an exclusion on your policy based upon your hobby.

The choice of the right insurer for you will really come down to how extreme your hobby is.

Our award winning advisers will find the right insurer and best income protection policy for you.

In general canoeing requires someone to be fit and healthy, to be able to use their upper body strength for sustained periods of time.

Canoers may find that their active lifestyle suits specific protection policies, that provide rewards for living healthily. To find out more visit our healthy living page.

Canoers who are planning to take their hobby outside the UK, should ensure that they have sufficient travel insurance in place. Get your no obligation quotation here, from a specialist travel broker that we work with.


Canoeing can be either a solo or group activity, in which people sit in an open-deck canoe or kayak, using one or more paddles to move across water. Canoeing can be something that someone simply does as a weekend sport, as a bit of a calm escape, going down a local river. For others canoeing can become quite an extreme competitive sport.

Fun Facts

  • Some traditional canoes were made from buffalo hides or seal skins
  • Canoeists can reach speeds over 20 knots
  • You can canoe across Africa
  • Kayaking
  • Whitewater canoeing
  • Whitewater rafting
  • Canoe capsizing
  • Environmental factors
  • Hypothermia
  • Overexertion
  • Frequency
  • Qualifications
  • Experience

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Common Questions

Hi, this sounds exciting. With some insurers the competition won’t come up in their question set, so it might be that there are no issues getting your life insurance. We would just need to double check some extra things to make sure all of details of your application match what the insurer can consider. Please get in touch for us to help.

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Review by Richard on 10th November 2022

Very helpful and friendly….the process was simple and well explained. Would recommend. - 5 

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Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


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