Am I covered for kayaking?

Kayaking is included under Fast Cover travel insurance policies for rivers or rapids up to Grade 3 under the International Scale of River Difficulty, or lakes or canals. 

If you plan to kayak in rivers or rapids graded 4 or 5, you’ll need to purchase the Adventure Pack add-on with your policy. Even with the Adventure Pack, there is no cover for kayaking if it involves competition or racing. 

The activity must be undertaken recreationally and not in a professional or competitive capacity. 

Whether a claim for kayaking is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy.