L'assurance bateau est-elle obligatoire au Québec?

Non, mais fortement recommandée. La plupart des marinas exigent une preuve de RC (1 M$ ou 2 M$).

Combien coûte une assurance bateau au Québec en 2026?

De 150 $ par saison pour une chaloupe à 5 000 $+ pour un yacht. Un bateau à moteur de 30 000 $ coûte entre 450 $ et 1 200 $ en tous risques.

Comment un comparateur d'assurance bateau fonctionne-t-il?

Il utilise les informations sur votre embarcation et compare les offres de plusieurs assureurs pour trouver la meilleure couverture.

Le comparateur d'assurance bateau est-il gratuit?

Oui, 100 % gratuit. Le courtier est rémunéré par l'assureur choisi.

Mon bateau est-il couvert pendant le transport sur remorque?

La plupart des polices couvrent le transport terrestre, mais vérifiez les conditions pour le lancement et la sortie de l'eau.

La motomarine est-elle couverte par la même police que le bateau?

Généralement non. Une motomarine nécessite sa propre police distincte.

Quels facteurs influencent le prix de l'assurance bateau?

Type et valeur de l'embarcation, puissance du moteur, expérience, plan d'eau, historique et protections choisies.

Mon équipement de pêche est-il couvert?

Non automatiquement. L'équipement doit être déclaré séparément comme équipement additionnel.

Boat Comparator 2026

Boat insurance comparison tool in Quebec — Prices and coverage

Pleasure boat, sailboat, personal watercraft or pontoon — compare offers from 15+ insurers and find the best coverage with an independent AMF-certified broker.

Free boat quote1-866-357-4451

Boat insurance comparison in Quebec — compare prices

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Estimated boat insurance prices in Quebec — 2026

Insurance premiums vary greatly depending on the type of boat, its value, power and the experience of the boater. Here is an indicative table of prices by season (May to October) in Quebec in 2026.

Value 8,000 150 300 60,000 350 800 80,000 450 1,200 25,000 300 650 500 boat 60,000 400 1,000 1,500

Type of boat	Typical	RC only	All risks	Good to know
Rowboat / boat	$2,000 – $	$80 – $	$150 – $	Most affordable boat to insure
Pontoon	$15,000 – $	$150 – $	$350 – $	Very popular in QC; stable profile
Motorboat (runabout)	$20,000 – $	$200 – $	$450 – $	Engine power = key factor
Watercraft (Sea-Doo)	$10,000 – $	$150 – $	$300 – $	Higher risk of loss; frequent theft
Sailboat	$15,000 – $150,000+	$200 – $	$500 – $2,000+	Offshore navigation = higher premium
Fishing	$15,000 – $	$175 – $	$400 – $	Reportable fishing equipment
Yacht / cruiser	$100,000+	$500 – $	$1,500 – $5,000+	High value; electronic equipment

*Indicative seasonal prices (May to October) for 2026. Your actual premium depends on the value of the boat, your experience, the body of water and the coverage you choose. Get your personalized quote.

How does the boat insurance comparison tool work?

Describe your boat

Type of boat, year, value, engine power and main body of water.

We compare for you

Our brokers compare offers from 15+ insurers specializing in pleasure craft.

Sail with peace of mind

Receive your quote and choose the coverage that fits your budget and needs.

Essential Covers for Your Boat

✓

Civil liability — Damage to other boats, wharves or persons. Recommended minimum: $2 million.

✓

Boat Damage—Collision, grounding, submersion, storm, lightning and vandalism.

✓

Theft and fire — Protection against theft of the boat, engine and equipment.

✓

Towing and Assistance — Towing costs in the event of a mechanical breakdown on the water.

✓

Equipment and accessories — GPS, sonar, fishing and water sports equipment.

Boat insurance in Quebec, comprehensive coverage and competitive prices for your boat.

⚠️ Attention — Entreposage hivernal

Au Québec, la saison nautique s’étend de mai à octobre. Votre police doit couvrir les risques hors saison : entreposage, transport sur remorque et hivernage. Un entreposage inadéquat (non couvert, pas sur blocs certifiés) peut invalider votre couverture. Vérifiez les conditions de votre police avec votre courtier.

5 tips to save on your boat insurance

Suivez un cours de navigation

Le Certificat de compétence de Transports Canada peut réduire votre prime.

Installez un système antivol

Un GPS de localisation ou un verrou de moteur certifié réduit le risque de vol.

Augmentez la franchise

Une franchise plus élevée réduit la prime saisonnière de façon significative.

Regroupez vos polices

Bateau + auto + habitation chez le même assureur = rabais multi-produits.

Comparez avec un courtier indépendant

Un courtier d’assurance bateau compare 15+ assureurs pour vous — gratuitement. Vous payez le même prix que directement chez l’assureur, mais avec un expert qui négocie pour vous.

Boat insurance anywhere in Quebec

Whether you are sailing on Lake Memphremagog, Lake Saint-Jean, the St. Lawrence River, the Thousand Islands or the Ottawa River, our AMF-certified brokers will find the best coverage for your boat. In Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Rimouski or Magog — premiums vary by body of water and region. Compare to save.

Compare boat insurance prices in 2 minutes

Free service, without obligation. Our brokers compare 15+ insurers specializing in boating.

Get my boat quoteTalk to a broker

Frequently Asked Questions — Boat Insurance in Quebec

Is boat insurance mandatory in Quebec?

Boat insurance is not legally mandatory in Quebec, but it is highly recommended. In addition, most marinas and yacht clubs require proof of liability insurance (minimum $1 million or $2 million) to grant access to their facilities.

How much does boat insurance cost in Quebec in 2026?

Seasonal premiums range from $150 for a rowboat to $5,000+ for a yacht. For an average-value motorboat ($30,000), count between $450 and $1,200 per season in all risks. The price depends on the type of boat, the value, the power and your experience.

How does a boat insurance comparison tool work?

The comparator uses the information you provide about your boat (type, size, age, value, body of water) and your coverage preferences. It then compares this data with offers from several insurers to find the ones that best suit your needs and budget.

Is the boat insurance comparison tool free?

Yes, 100% free. The broker is paid by the insurer of your choice — no cost to you. You pay exactly the same price as if you went directly to the insurer, but with the advantage of having compared several offers.

Is my boat covered during trailer transport?

It depends on your policy. Most boat insurance policies in Quebec cover ground transportation on trailers, but check the conditions. Some insurers exclude damage during launching and taking out of the water. Ask for a specific amendment if necessary.

Is the personal watercraft covered by the same policy as the boat?

Generally not. A personal watercraft requires its own insurance policy, separate from that of the boat. The risks and premiums are different. However, some insurers offer discounts if you insure the two boats together.

What factors influence the price of boat insurance?

Several factors: the type and value of the boat, the power of the engine, your boating experience, the main body of water, your claim history, the coverage chosen and the deductible. Powerful motorboats and personal watercraft have higher premiums.

Is my fishing equipment covered?

Fishing equipment is usually not automatically covered by the standard policy. You must declare it separately as additional equipment. Rods, reels, sonars and other valuable accessories must be listed to be protected in case of theft or damage.

Why trust Assur360?

✓AMF Certified — Autorité des marchés financiers

✓ChAD Member — Chambre de l’assurance de dommages

✓100,000+ insured customers in Quebec

Online boat insurance comparison

Boat insurance comparison tool in Quebec — Prices and coverage

Estimated boat insurance prices in Quebec — 2026