Insuring Old Town Canoe: cover and premium
dinghies and small craft · the USA
Old Town Canoe builds dinghies and small craft in the USA. NAMMERT insures a Old Town 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
the USA
Class
dinghies and small craft
Typical sizes
4 to 6 m
Premium from
from €59 a year for hull cover
Worth knowing
Old Town Canoe; cover, cost and conditions
Old Town has been building canoes in Maine since 1898 and is one of the oldest boat builders in North America; the Discovery and Penobscot are touring canoes made of polyethylene, the Guide and Sportsman are for fishing and leisure. In Europe these are imports, mostly through specialist dealers, with values in the low to middle four-figure range.
With polyethylene canoes the repair question is the crucial point. A crack is welded, not laminated, and that does not always hold permanently. With major hull damage a constructive total loss is closer than with a composite boat. Set the sum insured according to the real replacement value including import, because with a repurchase transport and duties are added again.
Canoes are transported on a roof rack or a trailer, and a considerable share of damage occurs there. Our hull insurance covers transport damage with suitable means, and suitable means matching bars, bow and stern lines, no point loading on the hull side. A canoe that rests for years on two narrow bars deforms, and that is a consequence of storage. We do not write boat third-party liability for boats propelled by muscle power.
Questions and answers
Frequent questions
How do I transport a canoe correctly?
For Old Town: On matching bars with bow and stern lines, without point loading on the hull side.
Deformation caused by permanent point loading is a consequence of storage and is not covered.
What value should I set?
For Old Town: The replacement value including import,
because with a repurchase transport and import duties are added again.
The cover that fits
For Old Town 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 Old Town, at replacement value with an agreed fixed value.
Personal accident cover
People on board a Old Town: the part that counts on a boat moved by muscle.
For the whole class of boat
For Old Town: 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, Old Town 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 Old Town.
Current wind force and direction for your waters are shown on the Home.
Series by Old Town, with value and cover
Old Town Discovery / Tripper (classic) is a canoe from Old Town (the USA), built from 1960 to 1998,
and today changes hands at between €1,000 and €4,000.
Old Town Discovery 158 / 169 is a canoe from Old Town (the USA), built since 1990,
and today changes hands at between €1,000 and €3,000.
Old Town Sportsman 106 / 120 is a kayak from Old Town (the USA), built since 2018,
and today changes hands at between €1,000 and €4,000.
Discovery / Penobscot is a canoe from Old Town (the USA), built since 1980,
and today changes hands at between €1,000 and €5,000.
Old Town Kanadier Discovery / Penobscot is a motorboat from Old Town (the USA), built since 1970,
and today changes hands at between €1,200 and €3,200.
Old Town Sportsman Angelkajak is a motorboat from Old Town (the USA), built since 2015,
and today changes hands at between €1,600 and €5,500.
For the Old Town Discovery / Tripper (classic) by Old Town 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.
As the Old Town Discovery 158 / 169,
Old Town Sportsman 106 / 120 and Discovery / Penobscot by Old Town series are still in production,
parts are available and repairs are predictable.
Still, set the value at replacement cost, including sails, rigging or gear you bought later.
As the Old Town Kanadier Discovery / Penobscot and Old Town Sportsman Angelkajak by Old Town
series are still in production, parts are available and repair costs are predictable.
Even so, value it at replacement cost including retrofitted electronics, not at list price.
For the Old Town Discovery / Tripper (classic), Old Town Discovery 158 / 169,
Discovery / Penobscot by Old Town series: On a canoe transport and storage are the risk,
not the water.
Theft from the roof rack is the most common case.
For the Old Town Sportsman 106 / 120 by Old Town series: On a kayak accident cover comes first;
liability is usually handled by your private policy.
Hull cover deals with theft and transit damage.
Old Town insured in five minutes.
Boat type, year built, length and value of your Old Town are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
