Off to the glass or equivalent layer is something I'd suggest you fix sooner rather than later, just to reduce the possibility of water finding invisible cracks that can let it get between layers.
But as in the first reply - we have bumped our fiberglass kayaks over plenty of bumpy roads without losing gel coat because of it. If it is due to road travel, I'd look hard at the boat and/or how you are hauling it.
Cartop Kayak Carriers
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