- There is a deductible of $250 for each claim
- Most Personal Insurance Policies Exclude Items Used for a Competition
Coverage on your shell & accessories commences upon receipt of your completed application & payment, and expires on the program anniversary date of February 7th (each year)
- The premium is based on a flat fee rate (no discount despite when your coverage begins). Having a flat rate and common expiry date reduces administration costs and has helped maintain our low rate for over 25 years
- The policy covers the rowing shell including related rowing accessories (to a maximum $1,000) up to the value declared on the certificate against All Risks of Direct Physical Loss (subject to certain policy exclusions) anywhere in Canada, Puerto Rico or The United States of America, but excluding transportation to or from Puerto Rico or Hawaii
NOTE: No claim shall be recoverable in the event of total or constructive total loss of the shell, or for days during which the shell would not normally be permitted to be used by virtue of lay-up restrictions or other such prohibition (example: if the shell was not intended to be used from December 1st to May 1st and it is damaged in November and repair is completed by March then no claim for loss of use would be paid).
*Rowing Shell coverage is available to Canadian residence only, excluding the Province of Quebec.