BKC Insurance
Paying your membership fee to the club immediately gives you cover in the event of causing damage or harm to someone else (including a fellow club member) during kayaking or canoeing. Membership of the club gives you £5,000,000 worth of cover.
If you are not a member of the BCU and have not paid your membership fee to the BKC, then you are not covered.
To maintain insurance cover renewal, membership subscription and affiliation fees must be paid before the expiry of the previous membership or affiliation. There is no period of grace. In addition clubs must maintain accurate and up-to-date membership records so that a club member claimant’s membership on the date of an incident can be verified and cover confirmed.
Details of the cover are:
This type of insurance (sometimes called Public Liability Insurance) is involved when negligence has occurred causing the injury or death or damage to the property of a third party. It provides worldwide cover to a maximum of £5,000,000 for any one incident. This applies in connection with a) canoeing privately b) any BCU activity c) canoeing on social activities of a BCU affiliated club. The cover includes all legal costs and damages awarded if negligence is proven or accepted by the insurance company. Member to member liability is included, which means that the third party can be another BCU member.
Negligence sometimes resulting in six figure damages or more may occur through sheer carelessness or irresponsibility, but it can happen thorough unforeseen circumstances. The BCU takes the view that all who canoe must be covered by Third Party Insurance, and therefore the following are covered:-
- All current individual BCU members resident in the United Kingdom, includes members of Her Majesty’s armed forces whilst serving overseas.
- Current registered members of currently affiliated clubs who pay the capitation fee for each member who is not an individual BCU member. The capitation fee is only waived if the club's members are covered by Third Party insurance already, probably through a parent body, and a club officer has signed a declaration to this effect.
It is important to remember that should you be involved in an incident that may give rise to a claim against you to NOT admit liability. Potentially, in doing this you are allowing insurers the option to walk away and cease their enrolment in any case.
Full details of the CANI scheme (which is part of the BCU scheme) can be found on the BCU website.
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