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Pleasure boat insurance Quebec 2026

BATEAU

Assurance bateau au Québec

Pontons, bateaux moteur, motomarines, voiliers : couverture adaptée.

Orso, courtier d'assurance bateau Assur360
Pleasure craft — Assur360 insurance

IN BRIEF

Pleasure boat insurance

Pleasure boats (open, pontoon, cabin cruiser, sailboat) in Quebec need hull coverage (collision/theft/fire), equipment (outboard motor, electronics), and RC navigation $1-2 million.

Tip: boats stored ashore in winter often benefit from a 30-50% discount on the season portion. Mention your wintering location and the length of the boating season.

Pleasure boat insurance in Quebec protects your runabout, pontoon, bow rider, ski boat, cuddy cabin or fishing boat against theft, collision, vandalism, civil liability and storage claims. At Assur360, our AMF-certified brokers compare more than 9 insurers specializing in boats — to find the best coverage according to the type of boat, the use (lakes, rivers, rivers) and the Quebec season May to October.

BOAT INSURANCE 2026

Protect your pleasure boat from $225/year

Free quote in 3 minutes. Comparison of 9+ insurers specializing in boats under 30 feet.

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Insurers Compared
$225
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What is a pleasure boat in the sense of insurance?

A pleasure boat is used for any boat used for recreational purposes (excluding commercial use) of less than 30 feet — beyond that, we generally switch to a yacht policy. The category includes runabouts, pontoons, bow riders, cuddy cabins, ski boats, wake boats, fishing boats and small sailboats. The boating season in Quebec typically runs from May to October, but the policy must cover the entire year (including winter storage).

Essential Protections of Boat Insurance

🛡️

Civil liability

Covers damage caused to others (other boat, swimmer, dock). Recommended minimum: $2 million in Quebec, often required by marinas.

💥

Collision and breakage

Damage to your boat caused by collision (other boat, dock, rock, sandbar) or mechanical breakdown depending on the option chosen.

🔓

Theft and vandalism

Theft of the boat or outboard motor, theft of accessories (sound system, tracker, GPS), vandalism in the marina, at home or in storage.

🛟

Towing on the water

Engine failure in the middle of Lac Saint-Jean or the river? Covers boating assistance and towing to a marina (often $1,000 to $2,500).

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Winter Storage

Coverage from October to April during storage — personal garage, marina, construction site or commercial storage. Fire, theft, ice protection.

🚐

Transport on trailer

Boat covered during road transport (road to the chalet, ramp descent). The trailer itself must be insured separately.

Types of Recreational Boats Covered

🚤 Runabout / Bow rider

Bayliner, Four Winns, Glastron, Sea Ray, Princecraft. 17 to 25 feet, V-hull. Multi-purpose use (skiing, tubing, family outing).

🏝️ Pontoon

Legend, Princecraft, Manitou, Bennington. Stable platform ideal for families, fishing, quiet lake cruising.

🏄 Ski / Wake boat

MasterCraft, Malibu, Nautical, Axis, Supra. Specialized for water skiing, wakeboarding, wakesurfing. High value, adjusted premium.

🏕️ Cuddy cabin / Deck boat

Mini cabin with sleeping space for short getaways, often 20-28 feet. Offers comfort without going all the way to the yacht.

🎣 Fishing boat

Lund, Legend, Crestliner, Ranger. Aluminum or fiber, 14 to 22 feet. Fishing equipment coverage (trolls, tracker, electric motor).

⛵ Small sailboat

Catalina, Hunter, C&C under 30 feet. Insured with the same principles as a motorboat — sails included.

How to get your quote in 4 steps

1

Prepare the boat info

Make, model, year, length, engine type (outboard, inboard, sterndrive), power, HIN number (Hull ID) and purchase value.

2

Fill out the form

3 minutes — main driver information, CCEP, frequented bodies of water, summer and winter parking spot, equipment to be declared.

3

Compare Quotes

Your Assur360 broker analyzes the offers of 9+ specialized insurers (Aviva, Intact, Echelon, The Boat Insurance Agency, etc.) and presents the best options.

4

Activate coverage

Electronic signature, monthly or annual payment, email certificate of insurance — ready to launch as soon as the season opens.

💡

Short season = mandatory annual coverage

Even if you only sail 5 to 6 months a year in Quebec, your policy must be annual — to cover the boat during winter storage (fire, theft, freezing, ice damage). Some insurers offer a reduced premium for a shorter declared season.

Indicative rates for 2026 by type

Fishing Boat 8,000-18,000 Family 25,000-45,000 25,000-60,000 50,000-110,000 90,000-180,000 25,000-70,000
Type of boatLength / ValueEstimated annual premium*
Aluminum14-18 ft / $$225 – $375
Pontoon20-24 ft / $$325 – $500
Runabout / bow rider18-24 ft / $$350 – $650
Cuddy cabin / deck boat22-28 ft / $$500 – $900
Ski / Wake boat21-24 ft / $$700 – $1,400
Small sailboat22-28 ft / $$400 – $850

*2026 Indicative Rates — Driver 25 years +, with PCOC, claim-free, use in QC inland waters. Get your exact price in 3 minutes.

Legal obligations in Quebec

⚠️

3 obligations to be respected

1. PCOC for all motorized boat operators regardless of age. 2. Transport Canada registration required if the engine > 7.5 kW (10 hp). 3. Safety equipment on board: PFD (life jacket) approved per person, 15 m buoyant rope, bailer, whistle/horn, navigation lights if used at night.

THE SEASON IS APPROACHING

Your boat ready to sail in May 2026

Submission in 3 minutes. Comparison of 9+ insurers. Specialized boat brokers.

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How to reduce the cost of your boat insurance

💰

Multi-font grouping

Combine boat + home + car: savings of 10-15%.

📚

Advanced Navigation Course

Beyond the PCOC: Sail Canada, Power Squadron — 5 to 10% discount depending on insurer.

📈

Higher deductible

Going from $500 to $1,000 deductible can reduce your premium by 15 to 25 per cent.

Boat insurance throughout Quebec

Our Assur360 brokers serve boaters in all regions with bodies of water — from the lakes of the Laurentians and the Eastern Townships to the shores of the St. Lawrence. We cover Montreal (Longueuil, Île-Perrot, Lachine marinas), Quebec City, Laval, Trois-Rivières, Saguenay, Gatineau, Shawinigan, Sherbrooke, Lévis and Thetford Mines for remote winter storage of water bodies.

Related Articles and Guides

Frequently Asked Questions — Quebec Boat Insurance

Is boat insurance mandatory in Quebec?
No, pleasure boat insurance is not mandatory by law in Quebec. However, the $2 million civil liability is strongly recommended and often required by marinas, yacht clubs and lenders. Without insurance, an accident with a swimmer or another boat can ruin you.
How much does boat insurance cost in Quebec in 2026?
Premiums range from $225 to $1,400 per year depending on the type, value and profile: $225-375 for an aluminum fishing boat, $350-650 for a runabout, $700-1,400 for a wake boat. Get your exact price in 3 minutes.
Is the PCOC mandatory for all motorboats?
Yes. Since 2009, all operators of motorized watercraft (regardless of power) must have a Pleasure Craft Operator Card (PCOC) issued by Transport Canada. Online exam ~$50, card valid for life. Without a PCOC, your insurer may refuse to compensate.
Is winter storage covered?
Yes, in most policies, the boat remains covered year-round — including winter storage (garage, marina, commercial warehouse) against fire, theft, vandalism and ice damage. Some insurers require that the location be declared with a precise address.
Can I pay only for the summer season?
No. A boat policy must be annual in Quebec to cover the boat in winter storage. On the other hand, some insurers adjust the premium according to the declared season (e.g. 5 months of active sailing) and this saving is reflected in the total premium.
Does boat insurance cover outboard motor alone?
Yes, the outboard motor is always included in the insured value of the boat. In the event of theft of the engine (very common — Yamaha, Mercury, Honda) without the hull, you are compensated according to the declared value. Some policies require a specific lock (chain, hydraulic padlock).
Can I tow my boat anywhere in Canada?
Yes, most policies cover transportation within Canada and the bordering United States. For the boat: covered during transport on a trailer. For the trailer itself: it must be insured separately (car endorsement or dedicated policy — see trailer insurance).
What to do in the event of a disaster on the water?
1) Safety first (PFD, 911 if wounded). 2) Document all damage in photos. 3) Police report in case of theft or collision with third parties. 4) Call Assur360 at 1-866-357-4451 to initiate the claim. More info: What to do in the event of a claim.

Why trust Assur360 for your boat?

✓AMF certified firm
✓ChAD Member
✓100,000+ submissions processed
✓13 partner firms in QC
✓Independent broker (9+ insurers)
✓Bilingual service FR/EN

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The season is coming — protect your boat

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