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A good idea to have personal liability cover, which I believe you'll get from either the AT or BCU, there's no legal requirement to have it. Handy if you clobber someone coming through the surf etc. and they sue. Check first with your home contents cover as personal liability insurance may already be included, although they may baulk at the Kayak.

 

Not sure it's worth covering the Yak, unless one of the more expensive types, Dorado etc.

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