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Insuring Perception / Dagger: cover and premium
dinghies and small craft · the USA
Perception / Dagger builds dinghies and small craft in the USA. NAMMERT insures a Perception / Dagger 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
3 to 6 m
Premium from
from €59 a year for hull cover
Worth knowing
Perception / Dagger; cover, cost and conditions
Perception and Dagger are US brands for plastic kayaks, Perception for recreation, sit-on-top and fishing kayaks, Dagger for whitewater and creeking. Rotationally moulded polyethylene is the basis of both brands: insensitive to contact with rock, maintenance-free and practically unsinkable, but hard to repair if a crack does appear.
A crack in polyethylene is welded, not laminated, and the result does not always hold. With a boat value in the mid three-figure to low four-figure range, major hull damage therefore often leads to a constructive total loss. Set the sum insured according to the real replacement value; with plastic kayaks this is lower than new price lists suggest.
With fishing kayaks the equipment is added to this. Rod holders, a fish finder, an anchor, a pedal drive and the fishing tackle itself easily add up to more than the value of the boat. List these items individually in the application as accessories and electronics; only reported values are replaced. We do not offer third-party liability for muscle-powered kayaks, so check your personal liability policy.
Questions and answers
Frequent questions
Can a plastic kayak be repaired?
For Perception / Dagger: By welding, not by laminating, and not always permanently.
Major hull damage often leads to a constructive total loss.
How do I insure the fishing tackle?
For Perception / Dagger: As accessories and electronics with their own items in the application.
With a well equipped fishing kayak it often exceeds the value of the boat.
The cover that fits
For Perception / Dagger 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 Perception / Dagger,
at replacement value with an agreed fixed value.
Personal accident cover
People on board a Perception / Dagger: the part that counts on a boat moved by muscle.
For the whole class of boat
For Perception / Dagger: 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, Perception / Dagger 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 Perception / Dagger.
Current wind force and direction for your waters are shown on the Home.
Series by Perception / Dagger, with value and cover
Perception Dancer / Corsica (classic) is a kayak from Perception / Dagger (the USA),
built from 1975 to 1998,
and today changes hands at between €1,000 and €3,000.
Perception Carolina / Expression is a kayak from Perception / Dagger (the USA), built since 2000,
and today changes hands at between €1,000 and €2,000.
Dagger Mamba / Katana is a kayak from Perception / Dagger (the USA), built since 2005,
and today changes hands at between €1,000 and €2,000.
Freizeit- und Wildwasserkajak is a kayak from Perception / Dagger (the USA), built since 1985,
and today changes hands at between €1,000 and €4,000.
Perception Touren- und Angelkajaks is a motorboat from Perception / Dagger (the USA),
built since 1980,
and today changes hands at between €600 and €2,200.
Dagger Wildwasser Mamba / Nomad is a motorboat from Perception / Dagger (the USA),
built since 1990,
and today changes hands at between €1,200 and €2,200.
For the Perception Dancer / Corsica (classic) by Perception / Dagger 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 Perception Carolina / Expression,
Dagger Mamba / Katana and Freizeit- und Wildwasserkajak by Perception / Dagger 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 Perception Touren- und Angelkajaks and Dagger Wildwasser Mamba / Nomad by Perception /
Dagger 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 Perception Dancer / Corsica (classic), Perception Carolina / Expression,
Dagger Mamba / Katana by Perception / Dagger and further series:
On a kayak accident cover comes first; liability is usually handled by your private policy.
Hull cover deals with theft and transit damage.
Perception / Dagger insured in five minutes.
Boat type, year built, length and value of your Perception / Dagger are all we need.
Work out the premium online or call us: +49 3375 29 12 77.
