Insuring Eskimo Kajaks: cover and premium
dinghies and small craft · Germany
Eskimo Kajaks builds dinghies and small craft in Germany. NAMMERT insures a Eskimo regardless of year built or where you bought it, hull, legal expenses and personal accident cover from one house, taken out online in five minutes.
At a glance
Origin
Germany
Class
dinghies and small craft
Typical sizes
3 to 6 m
Premium from
from €59 a year for hull cover
Worth knowing
Eskimo Kajaks; cover, cost and conditions
Eskimo built whitewater and touring kayaks from polyethylene in Germany, and today these boats are mostly in circulation as used boats; the Topo, Salto and Diablo are classics of the whitewater scene of the nineties and the two thousands. With boats of this age, the condition of the material is the decisive question.
Polyethylene becomes brittle over the years, particularly under UV exposure. A twenty year old hull that has spent a lot of time in the sun tears under load more readily than a new one, and this embrittlement is ageing, not an insured event. What is covered are events: being slit open on rock, collision, theft, storm damage, transport damage. With a boat value in the three figure range, however, hull insurance is a matter of arithmetic.
For whitewater paddlers, personal accident cover is the more important element. It applies to injuries on the water and when getting in and out, and in whitewater the risk of injury is the actual risk, not the value of the boat. We do not offer boat third-party liability for muscle powered kayaks; check your private liability insurance for the inclusion of watercraft.
Questions and answers
Frequent questions
Is embrittlement of the polyethylene covered?
No, not for Eskimo either: that is UV ageing and wear.
What is covered are events: being slit open on rock, collision, theft,
storm damage and transport damage.
What is the most important protection in whitewater?
For Eskimo: Personal accident cover; in whitewater the risk of injury is the actual risk,
regardless of the value of the boat.
The cover that fits
For Eskimo we do not offer separate boat liability cover; your personal liability insurance usually applies. Hull, legal expenses and accident cover we insure as for any other craft.
boat insurance
Tariffs, cover and FAQ for boat insurance in detail.
Hull cover
Partial or full hull cover for a Eskimo, at replacement value with an agreed fixed value.
Personal accident cover
People on board a Eskimo: the part that counts on a boat moved by muscle.
For the whole class of boat
For Eskimo: What matters for dinghies and small craft is the same across every brand;
engine output, how a claim is settled, cruising range and theft protection.
The class page lists every point and every brand in this class, Eskimo included.
Insuring dinghies and small craft, every brand and every condition
Other builders in this class
Nautical information What counts before you cast off, papers, equipment, waters
Licence
No licence required; muscle-powered craft are licence-free, federal waterways included.
Registration
No registration required.
Some waters do ask for a local permit or sticker before you launch.
Waters
Lakes, rivers and coast; mind nature-reserve rules, many stretches close seasonally.
Equipment
Buoyancy aid, buoyancy bags, spraydeck, a waterproof case for phone and papers, a whistle.
Cruising range
The cruising range is in the policy and can be extended for a single trip at any time.
Weather
Offshore wind is the main risk.
Check wind direction and the gust forecast before you launch.
General guidance, not a complete account;
what governs are the rules of the waters you are on and the manual of your Eskimo.
Current wind force and direction for your waters are shown on the Home.
Series by Eskimo, with value and cover
Eskimo Diablo / Topolino (classic) is a kayak from Eskimo (Germany), built from 1975 to 1998,
and today changes hands at between €1,000 and €3,000.
Eskimo Topo / Kendo is a kayak from Eskimo (Germany), built from 1995 to 2020,
and today changes hands at between €1,000 and €2,000.
Wildwasser- und Tourenkajak is a kayak from Eskimo (Germany), built from 1980 to 2020,
and today changes hands at between €1,000 and €3,000.
For the Eskimo Diablo / Topolino (classic) by Eskimo series there is no list price left.
That is why we work with an agreed value: you state the figure, we agree it,
and in a total loss exactly that amount is paid, with no deduction for wear.
For the Eskimo Topo / Kendo and Wildwasser- und Tourenkajak by Eskimo series the market value and
the replacement cost often differ widely.
An agreed value removes the age-based scale, and the figure in the policy stands.
For the Eskimo Diablo / Topolino (classic), Eskimo Topo / Kendo,
Wildwasser- und Tourenkajak by Eskimo series: On a kayak accident cover comes first;
liability is usually handled by your private policy.
Hull cover deals with theft and transit damage.
Eskimo insured in five minutes.
Boat type, year built, length and value of your Eskimo are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
