Kayaking Kanakyland Kiwi Style - Canoe & Kayak

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Technical Multisport Am I insured? By Ruth E. Henderson Maybe, maybe not...it depends… Do not presume and then All the companies who participated stated in one way or another – be disappointed when pay out is declined. It pays to ask that we, the insured must take care, and that insurance cover is for sudden and accidental (unexpected, unintended, unforeseen) loss or questions, curly questions at the time of taking out a policy damage. or before glibly thinking your new pride and joy is covered Aaron Mortimer of Mariner Marine Insurance said “The insurer under your household insurance policy. must always act as if they are uninsured” and in the scenario of the It pays to be honest. Your insurer needs to know if you are an ‘ordinary’ kayak being left overnight on the roofrack at the boat ramp he said the kayaker, or are planning on doing a Paul Caffyn or Freya Hoffmeister and test would be along the lines of “was the insured taking all possible circumnavigating something bigger than Great Barrier Island, or spending care to minimise or avoid a loss? Would they leave the boat like that your weekends hurtling down the Huka Falls one weekend and the Aratiatia if they were not insured?” He did go on to say that in extenuating rapids the next like Josh Neilson and friends, or competing alongside Sam circumstances such as if the insured had an injury kayaking and was Goodall in the Speight’s Coast to Coast. The type of kayaking you do may taken to hospital overnight and was not able to organise alternative affect your premium or excess or eligibility for cover. And sometimes, so storage, then they would take a more benevolent approach to a kayak does your “profile.” stolen in that situation. To get a feel for what would be covered I chose five different craft Chris O’Connor from Ansvar made the point that “The client must (kevlar Southern Skua, plastic Shearwater, Cobra Fish ‘n Dive, Blisstick take precautions. Must take enough care so that a reasonable person Mystic mini, Ruahine Swallow) that a “fifty year old female with a would say that you have taken reasonable care.” mortgage and five years kayaking experience” could conceivably own To answer the question “Am I insured?” it does ‘depend’. It depends and posed a number of questions to eight different companies. These on you, and the precautions you take and the company you select. included: Am I insured if my kayak; 1. Is on my roof rack? 2. Flies away/ comes off my roof rack (not tied down properly, or roof rack faulty)? 3. Is sheared off as I enter an underground car park? 4. Is stolen, whilst in a Supermarket for one hour, from the car park? 5. Is stored at my residence, and stolen from the carport within a fenced section? 6. Is stored at my bach, and stolen from locked storage beneath? 7. Is on the beach, while I am sleeping after lunch and the incoming tide takes the kayak. 8. Is smashed on rocks or against obstacle (e.g. channel marker) while training or in normal use. 9. Is smashed whilst on expedition, racing, on white water Grade 3 rapids or surfing? And, “Are my fitted accessories on my insured kayak covered too? e.g. Fitted compass, fish finder, flag, rod holders, hatches, foot pump?” “What about the non- fitted ones in my insured kayak? e.g. dry bags, hand pump, paddle float.” Know the height of your vehicle and load. 20 ISSUE FIFTY Four • 2 0 1 0 www.kayaknz.co.nz
Duct Tape can save the day, if not the boat. Technical Be insurance –wise: ßß When storing a kayak outside a locked garage, ßß choose a place which is not visible to the ‘man on the street’. Store your boat ‘around the back’ or under the house. Invest in some lockable tie downs and secure these to ßß your racks and boat. Use lockable tie downs to secure your boat to your roof rack. See your Roof Rack Centre to check that your roof rack and cradles are in good repair and correctly fitted. Use bow and stern ropes so that your kayak has ßß less chance of flying if your roof rack does fail. Greg Haverkort of Thule NZ commented “Since we have packaged our Quickdraw bow & stern lines with our 874 kayak cradles, claims for lost boats from roof racks have fallen to zero.” To help with gear retrieval identify it. Put your name ßß and phone number on or in your boat, dry bags etc. If the waterproof pen marks wear off in the cockpit, stick some duct tape on the under side of your hatches and write on that. Beware of ‘loose canons’ in your hatches. Items such as full 2 ltr water bottles or axles of trolleys can puncture your boat in a surf landing. Visit www.canoeandkayak.co.nz/insurance for a table of questions and answers about kayak insurance. Sometimes you just gotta land whether your kayak likes it or not! www.kayaknz.co.nz ISSUE FIFTY Four • 2010 21
Page 1 and 2: ISSUE 54 Win See Page 40 Kayaking K
Page 4 and 5: Issue 54 contents Speight’s Coast
Page 6 and 7: What next? - James Kuegler shares t
Page 8 and 9: Feature Kiwis Kayaking Kanakyland b
Page 10 and 11: Feature Georgette Nonke and her gif
Page 12: From Lake to Sea - the inaugural Ra
Page 15 and 16: As the New Zealand Summer 08/09 com
Page 17 and 18: Weakened by all the paddling we nee
Page 19: Yakity Yak Club Today Enjoy some fi
Page 23 and 24: Travel Pockets now available on Mul
Page 25 and 26: Canoe Slalom AUSSIE SLALOM NATIONAL
Page 27 and 28: Sophie Hart. Adam Milne, James Kueg
Page 29 and 30: Technical hours or even longer.”
Page 31 and 32: Trans Taupo Under New Direction for
Page 33 and 34: Stony Bay at rush hour... 1200 peop
Page 35 and 36: Join Us For A Summer Of Fun. Taupo
Page 37 and 38: Products Anchor Winders from Q- Kay
Page 39 and 40: Phone 0508 529 256 for more info &
Page 41 and 42: 1 Buyers Guide 5 2 3 6 4 Inflatable
Page 43 and 44: 7 10 11 8 12 13 9 14 15 1 Firefly L
Page 45 and 46: 8 11 12 9 13 10 14 Fishing No engin
Page 47 and 48: 5 7 8 9 10 6 11 12 13 14 from from
Page 49 and 50: Editors note: Please remember to we
Page 51 and 52: For all your roof rack requirements

Kayaking Kanakyland Kiwi Style - Canoe & Kayak

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