Insurance for excursions

[Suebiker]

Hi - I have booked a kayaking excursion in the Fjords whilst we are on a cruise. Having phoned my insurance company I am told it would not be covered as it is sea kayaking.  I have tried to upgrade my policy to cover this but they will not do this.  Does anyone know if it is possible to buy insurance just for this activity or will I have to take out another insurance policy which will cover sea kayaking?  Any advice much appreciated. Thanks

[jeanlyon]

Is it a ship excursion and if so, are you not covered by P&O for that.  I don't know, just a thought.

[Ranchi]

Just a thought: We have ‘Kayak’ed a few times on cruises. In the early years the Kayaks were - just as it says on the tin, kayaks. Latterly they have been sit ON floats that you propel with paddles. It may worth enquiring from P&O the nature of the floating craft and then, if it’s not really a kayak then get in touch with your insurers again. 

Edited February 25, 2020 by Ranchi

[swaddy]

Haven't checked, but I think there is a disclaimer when you book the excursions. Think you need your own insurance. I had to get it when we went for sledging. 

[Suebiker]

3 hours ago, jeanlyon said:

 Is it a ship excursion and if so, are you not covered by P&O for that.  I don't know, just a thought.

 

Hi - yes it's a ship excursion but I'm sure I read somewhere that you need to have adequate insurance. You've got me thinking now. May be I don't?  I've looked through the info again and can't seem to find it now.  I may have to phone P and o and check!!!!!! Thanks you could be saving me money!!!!! 

[Suebiker]

9 minutes ago, swaddy said:

Haven't checked, but I think there is a disclaimer when you book the excursions. Think you need your own insurance. I had to get it when we went for sledging. 

Hi - that's what I thought but can't seem to find it now!!!!!  Where did you get your insurance from or was it covered on your own policy?  Just wondering if you can get a one off trip insurance.

[Suebiker]

3 hours ago, Ranchi said:

Just a thought: We have ‘Kayak’ed a few times on cruises. In the early years the Kayaks were - just as it says on the tin, kayaks. Latterly they have been sit ON floats that you propel with paddles. It may worth enquiring from P&O the nature of the floating craft and then, if it’s not really a kayak then get in touch with your insurers again. 

 

It's worth a try!!!! Thanks

[Host Sharon]

Kayaking probably counts as water sports and, like skiing, usually needs extra insurance. P&O wouldn't cover this unless proven negligent in some way.