Carp fishing equipment is expensive.
Rods, reels, alarms, bivvy, bedchair, bags, camera gear – it all adds up very fast.
Many anglers think:
“My home insurance will cover my fishing gear.”
In most cases, this is NOT true.
If your kit is stolen or damaged and you are not insured properly, you could lose thousands of pounds.
That’s why carp fishing insurance is very important and should be sorted ASAP.
Do you have home insurance for fishing?
A lot of carp anglers rely on home insurance and don’t realise the risks.
Most UK home insurance policies:
❌ Do NOT fully cover fishing gear
❌ Only cover items inside the house
❌ Do NOT cover theft from lakes or swims
❌ Do NOT cover theft from car parks or fisheries
❌ Class fishing gear as “sports equipment” with low limits
❌ Have high excess fees (£250–£500)
Even when some cover exists, it is often:
- Limited
- Confusing
- Hard to claim on
Home insurance is designed for houses – not carp fishing.
Real risks carp anglers face
These things happen regularly in the UK:
- Tackle stolen from behind the swim
- Cars broken into at fisheries
- Alarms, reels, and rods missing overnight
- Bivvies damaged by fire, wind, or flood
- Gear damaged or lost while travelling
One small incident can cost years of saved money.
What carp fishing insurance covers
Specialist carp fishing insurance is made for anglers.
Most good policies cover:
✅ Theft at the lake
✅ Theft from your car
✅ Overnight fishing
✅ Accidental damage
✅ Fire and flood
✅ UK or worldwide options
✅ Low excess (you pay less)
This is protection where you actually fish.
Home insurance vs carp fishing insurance (simple)
✅ Home Insurance
- Focused on your house
- Fishing gear is low priority
- Many exclusions
- High excess
✅ Carp Fishing Insurance
- Made for anglers
- Covers lakes, cars, and travel
- Clear rules
- Peace of mind
Best option: keep your home insurance and add specialist carp fishing insurance.
Who should get carp fishing insurance?
You should be insured if:
👉 Your fishing gear is worth over £1,000
👉 You fish overnight
👉 You store gear in your car
👉 You travel to different fisheries
👉 You fish busy or public venues
👉 If this sounds like you – don’t wait.
Recommended UK carp fishing insurers
Look for specialist angling insurers such as:
- Angling First
- Fish Insurance
- Angling Direct Insurance
- Other UK angling insurance providers
They understand carp fishing and what anglers really need cover for.
Carp Fishing Insurance Checklist (Save This)
Before buying a policy, check:
✅ Covers theft at the lake
✅ Covers theft from your car
✅ Covers overnight sessions
✅ Covers the full value of your gear
✅ Low excess (under £100 if possible)
✅ UK-based insurer
✅ Simple and clear claims process
If any box is missing – look for a better policy.
Final message
Carp fishing insurance is not optional anymore.
It is basic protection for your investment.
🎣 Gear can be replaced – but only if you are insured
💷 Without insurance, the loss is on you
Get insured now – before something goes wrong, not after.
