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Boat insurance to suit your lifestyle
Ontario boat insurance
Pleasure boating is authorized in the inland and coastal waters of Canada, in the Great Lakes and their tributaries, and in the states of New York and Vermont, with the exception of the Hudson River below the Tappan Zee Bridge and New York Harbor.
Hurricanes
Boat insurance and hurricanes
In addition to the conditions specific to the individual extended navigation limit, the following conditions apply to all extended navigation limits.
Excluded are losses or damages caused by a designated windstorm, unless the insured provides proof of compliance with the following requirements during the period between June 1 and November 30 of the year of insurance in question:
he has a hurricane contingency plan mentioning the designated yard where his boat is located;
the designated site has agreed to execute the hurricane contingency plan;
the hurricane contingency plan includes dry-docking the boat and securing it with ground anchors, or storing it in a designated hurricane-proof warehouse;
the hurricane contingency plan includes the removal of sails and canvas if the boat is stored outside.
When loss or damage caused by a designated windstorm is insured, a deductible of 10 % of the insured value applies to partial losses and to actual or deemed total losses. This deductible is reduced to 5 % if the hurricane emergency plan has been implemented.
Designated windstorms are those designated by the U.S. National Oceanic and Atmospheric Administration.
Boat and sailboat insurance for the South
Sailing the crystal-clear waters of the Florida and the Bahamas is a dream for many yachtsmen. However, this heavenly maritime adventure requires adequate preparation, particularly in terms of boat insurance. Boat insurance in these sunny regions is not just a question of regulatory compliance, but also essential protection against the risks specific to these areas.
Your policy may include an extension covering one or more of the following southern navigation limit extensions. These are subject to surcharges and apply only if listed in Section A of your policy.
Special features of boat insurance in Florida and the Bahamas
Weather conditions : Florida and the Bahamas are prone to extreme weather conditions, such as hurricanes. It's crucial that your boat insurance covers damage caused by these natural phenomena.
Navigation zones : Insurance policies vary according to sailing area. Sailing in international waters, as is often the case between Florida and the Bahamas, may require specific coverage.
Types of boats : Whether you own a luxury yacht, a sailboat or a fishing boat, each type of boat has different insurance needs. It's important to choose a policy that reflects the characteristics and use of your boat.
Local regulations : Insurance requirements may vary. For example, the Bahamas has its own rules that may differ from those in Florida.
Boat insurance in Quebec
With its many lakes and rivers, as well as access to the St. Lawrence River, Quebec offers an ideal playground for boaters. However, safe boating requires good insurance coverage adapted to the specific characteristics of the region.
Unless the policy includes an endorsement extending the limits of navigation, pleasure boating is authorized only in inland waters and coastal navigable QuebecCanada and the United States north of fortieth degree north latitude, east of ninety-fifth degree west longitude and south of fifty-second degree north latitude, without exceeding one hundred and sixty kilometers from the coast. Request a quote fromboat or personal watercraft insurance by contacting us 1-866-350-9763 or fill one out quick proposal.
Fishing boat insurance quote in 120 seconds
Although fishing boat insurance is not required by law, you should definitely consider its benefits.
As marine insurance specialists, we can help you find the most appropriate insurance for your fishing boat. We offer a insurance coverage for boats for full-time guides, occasional guides and professional fishermen.
We provide coverage tailored to your fishing boat needs.
Your fishing boat insurance quote is free! Get a boat insurance quote today.
Customized fishing boat insurance
What's more, we can develop an insurance policy tailored to your specific needs. Whether you're looking for fishing boat insurance as a fishing guide or a professional fisherman, you need coverage tailored to your fishing boat and its intended use. Some policy points include:
Liability
- Uninsured boaters
- Captain's and crew's liability
- Value of agreed amount
Learn more about the basics of boat insurance.
As a leader in Quebec's marine industry, Assur360 provides quality, competitive insurance services to fishing boat owners and fishing guides. You can get a boat insurance quote right on your screen in 120 seconds.
We're an insurance agency, not an insurance company, which gives you an advantage when it comes to compare fishing boat insurance quotes. Benefits include multiple insurance quotes and personalized customer service. Our agents are here to help you find your best fishing boat insurance quote.
Questions about boat insurance?
See our frequently asked questions. Some common questions are:
- How long does it take to get a fishing boat insurance quote?
- How can I access my fishing boat insurance quote again?
- My boat model is not listed in the boat search. How can I get my fishing boat insurance quote?
You can also contact us for a fishing boat insurance quote or to review your policy options.
Frequently asked questions boat insurance FAQ
What are the risks of boat insurance in Quebec?
For boat insurance in Quebec or FloridaThe risks covered generally include damage to your boat or other boats, damage to property such as docks or mooring lines, as well as injury to yourself or others while using the your boat. Covered risks may also include damage caused by storm, fire, collision, shipwreck or theft. It's important to understand the potential risks associated with using your boat, and to ensure that your insurance policy adequately covers these risks. It's also a good idea to talk to your insurer to determine the most appropriate cover and coverage limits for your personal situation.
What is a boat insurance broker?
A boat insurance broker is a professional who specializes in finding and negotiating insurance contracts for boat owners. He or she acts as an intermediary between the customer and insurance companies, offering personalized expertise to find the best coverage at the best rate. Unlike an insurance agent, who represents a specific company, the broker works independently and can therefore offer a wider range of options. They help you to compare insurance offers to cover your boat properly.
What types of coverage can a boat insurance broker offer?
Brokers generally offer boat damage policiesliability, personal accident and sometimes additional equipment.
How is a marine insurance broker remunerated?
Brokers are often remunerated by a commission paid by the insurance company, at no extra cost to the customer.
Is it more expensive to go through a broker than to insure yourself directly?
Not necessarily. Brokers can often obtain preferential rates because of their volume of business with insurers.
Good boat insurance covers engine explosion in certain circumstances. Check this with the insurance company issuing the policy. Many policies cover motor explosion when it is due to a manufacturer's defect, but not if it is due to normal wear and tear.
If you have comprehensive or property damage coverage built into your policy, your boat insurance will cover collisions with rocks, logs and other marine obstacles.
The price of boat and yacht insurance varies according to several factors. These factors include the value of the boat boat typeEach insurer has its own specific requirements, such as the area of navigation, the intended use, the owner's navigation experience, the safety devices installed, the claims history, the deductible chosen, and other elements specific to each insurer.
In general, the cost of boat insurance can be influenced by considerations specific to sailing, such as sail size, crew capacity, and other sailboat characteristics.
We recommend that you request customized quotes from severalboating insurance for an accurate estimate of the cost of insurance for your specific boat or sailboat. Marine insurers can customize policies according to the owner's specific needs and the boat's characteristics.
Don't forget that price isn't the only criterion to consider. It's also important to check the coverage offered, any exclusions, limits of liability, and the general conditions of the policy to make sure you're covered.obtaining boat and sailboat insurance to meet your specific needs.
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