Recent statistics show that angling is one of the UK’s top five hobbies, and it’s easy to see why; you get to spend time in nature, next to water – two things that have been proven to improve mental health, it keeps you fit both physically and mentally, tops up your Vitamin D, and lets you escape the fast-paced, technology-driven modern world for a little while. And if you’re really lucky, you might even catch the odd fish!
Whether you’re a seasoned angler, or just starting out, you’ll be aware of how expensive it can be, and you’ve probably already accumulated quite a collection of equipment. Insurance often comes quite far down the list of priorities, is it really worth paying when you might not even need it? But when was the last time you sat down and worked out what all that equipment is worth?
Angling is a safe sport, however there’s always the chance something unexpected might happen, so here at The Insurance Emporium, we’ve come up with five reasons why you should consider getting fishing insurance:
1. Accidental damage – however careful you are, there’s always a chance something could get damaged; you spend a lot of time carrying equipment to and from the car, and quite often you’re around wet or unstable surfaces along a riverbank, it just takes one slip and you’re looking at a snapped pole.
2. Theft – you can take all the right precautions, but sadly it only takes a few minutes for something to happen; whether that’s a burglary at your home, an opportunist breaking into your shed, or someone stealing your kit from the back of your car while you stop off for a quick coffee on the way home. Having your equipment stolen can really set you back, so wouldn’t it be nice to know you don’t have to spend precious time and money replacing stolen items.
3. Travel – many anglers dream of heading off to a foreign country to try their luck in some of the best angling spots in the world; however, there’s always the worry that something could go wrong when you take your gear so far away. Here at The Insurance Emporium, our fishing policies all come with Worldwide cover as standard, giving you the peace of mind you need to concentrate on landing the big one!
4. Public Liability – for those that want peace of mind for those worst-case scenarios, having a fishing insurance policy that covers you for Public Liability, is just that. If you’re a member of a club, you may be covered under your club’s public liability insurance, but this doesn’t typically cover you when fishing elsewhere. Accidents happen and if a third party sustains an injury because of your fishing equipment you could be legally liable for compensation and legal costs.
5. Family Member Cover – while fishing is a sport that can be enjoyed alone it’s also something that can be shared with your family. Whether that involves them spending a day with you by the river using your spare rod or perhaps you lend them some of your equipment for a weekend away, why not look at adding the optional benefit of family cover to your policy. This means that should they be using your equipment, and something goes wrong, under your policy, they could be covered for certain elements such as theft, accidental damage, worldwide travel and more.
Fishing is a fantastic sport, and taking out specialised fishing insurance might mean you can enjoy it without having to worry about what will happen if something were to go wrong. Leaving you free to sit back, relax, and wait for a bite!
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The Insurance Emporium offer a variety of cover levels, so please check the policy cover suits your needs before purchasing. For your protection, please ensure you read the Insurance Product Information Document (IPID) and policy wording, for information on policy exclusions and limitations.
