Boat insurance that fits your lifestyle
Protect your boat with boat insurance adapted to your reality in Quebec. Whether you’re sailing a
Assur360, leader in marine boating insurance in Quebec!
Pasific Marine
PMU has solid expertise in recreational boat insurance across the country. For more than 50 years, they have been providing safe, competitive and comprehensive insurance products that you can rely on.
April, a boat insurance quote of choice!
With Pacific Marine and April, we benefit from their experience, quality of service and online solutions to offer an exceptional, simple and fast service.
Benefit from our exceptional insurance products such as; sailboat, personal watercraft, yacht, pontoon, catamaran, high value, performance, runabout…
Your boat protection: protecting your investment
Shopping around and comparing insurance, when requesting a quote for a pleasure boat insurance policy, either on the internet, which is very easy today, or directly by an insurance broker is, therefore, an essential step.
You must be aware of the different options available on the marine market, taking into consideration several aspects with regard to your boat or sailboat, in order to make the best choice, including:
- The characteristics of your marine vehicle, including: the make of your boat, the model or the length.
- Your boat’s engine
- The speed of your boat.
- If applicable, if your boat is equipped with additional equipment, -cooker, heater, anti-theft system, etc. – or it is not.
- Territoriality: planned navigation area.
- The use you intend to make of your boat.
- The names of the persons who will be driving the boat, which is the basic information to be provided with regard to their civil liability in the event of a claim.
- The specific guarantees you want to give to your pleasure boat.
So take the time to ask an insurance broker for a price estimate to reduce your costs and improve your coverage.
Choosing the best boat insurance: adapt the contract to your needs
Have you recently purchased a boat and are ready to go? However, have you checked the coverage offered by insurance firms specializing in boat insurance, personal watercraft insurance and sailboat insurance?
Our beautiful natural surroundings are the perfect places to indulge in water activities. We are extremely fortunate to have a large number of lakes of all sizes, as well as our precious St. Lawrence River, which is the ideal gateway to the Atlantic Coast sea.
Buying a boat is a very important investment. In the event of a boat accident or other types of damage or losses, you can run into serious problems, up to and including legal claims, if your best boat insurance policy does not fit your needs properly.
To prevent an unfortunate accident with your watercraft from resulting in an interminable financial and bureaucratic disbursement process, before insuring your boat online, a global analysis of the characteristics of the policies available on the market is a crucial step, in order to be fully covered against the damage to which your boat may be exposed.
As a result, it is essential to insure your yacht, catamaran or personal watercraft with a contract that adapts to the concrete use you want to give to your boat, as well as the specificities presented by it.
Sailboat and boat insurance for the South
Sailing the crystal clear waters of Florida and the Bahamas is a dream for many boaters. However, this paradisiacal maritime adventure requires adequate preparation, especially in terms of boat insurance. Boat insurance in these sunny regions is not only a matter of regulatory compliance, but also an essential protection against risks specific to these areas.
Your policy may have an extension that covers one or more of the following southern navigation boundary extensions. These are subject to surcharges and apply only if they are listed in Section A of your policy.
Particularities of Boat Insurance in Florida and the Bahamas
Weather: Florida and the Bahamas are prone to extreme weather, such as hurricanes. It is crucial that your boat insurance covers damage caused by these natural phenomena.
Navigation Areas: Insurance policies vary by 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, sailboat, or fishing boat, each type of boat has different insurance needs. It is important to choose a font 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 of Florida.
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 vessel. We offer insurance coverage for fishing boats for the full-time guide business, the occasional guide and the professional fisherman.
We provide coverage tailored to your fishing boat needs.
Your fishing boat insurance quote is free! Get a boat insurance quote today.
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, sailing safely means having good insurance coverage adapted to the specificities of the region.
Unless the policy includes an endorsement extending the limits of navigation, recreational boating is authorized only in the navigable inland and coastal waters of Quebec, Canada and the United States north of the fortieth degree of 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 boat or personal watercraft insurance quote 1-866-350-9763 or fill out a quick application.
Personalized fishing boat cover
In addition, 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 that’s right for your fishing boat and its intended use. Some policy points include:
Responsibility
- Uninsured boaters
- Captain and crew responsibility
- Value of the agreed amount
Learn more about the basics of boat insurance.
As a leader in the marine industry in Quebec, Assur360 provides quality and competitive assurance services to fishing boat and fishing guide owners. You can get a boat insurance quote on your screen in 120 seconds.
We are an insurance agency and not an insurance company, this gives you an advantage when comparing fishing boat insurance quotes. The benefits we offer include getting multiple insurance quotes as well as personalized customer service. Our agents are here to help you find your best fishing boat insurance quote.
Partner Comparison — Boat Insurance (QC)
| Insurer | For which profiles does it “fit” | Strengths cited by our customers | Common limitations | Key Options Offered* | Price trends (relative) | Claims Service (Assessment)** | Average Rating (/5) |
|---|---|---|---|---|---|---|---|
| Intact | Multi-purpose boats (runabout, bowrider, fishing), family use | Wide network, known claims management, multi-policy discounts (auto/home) | Sometimes limited appetite for high performance/modifications | Partial Agreed Value, Equipment/Electronics, Trailer | $$ | “Solid, predictable” | 4.3 |
| Aviva insurance | Sailboats, sport fishing, medium boats | Flexible marine products, good value/equipment fits | Storage/anti-theft requirements sometimes strict | Equipment, trailer, passenger liability | $$ | “Good follow-up, clear” | 4.2 |
| The Unique | Standard yachting (lake/river), controlled budgets | Simplicity, competitive rates on own files | Less appetite for “outstanding” cases | Declared value, accessories, assistance | $–$$ | “Fast, without fuss” | 4.1 |
| PMU (Pacif Marine Underwriting) | High-end / performance, special risks, extensive navigation | Specialized boat expertise, technical options, tolerates “non-standard” | Higher prices on small units; Requirements + Proof of Care | Agreed value, high-level equipment, zones/navigation | $$–$$$ | “Very technical, rigorous” | 4.4 |
| April Marine | Dedicated marine: sailboats, speedboats, multihulls, premium equipment | Cutting-edge marine products, dedicated boating services | Sensitive rates for beginners/young applications | Agreed/Agreed Value, Effects on Board, Towing | $$–$$$ | “Attentive specialist” | 4.0 |
* Key options (depending on eligibility and contract): agreed/agreed value, equipment (electronics, rigging), trailer, passenger/towed sports liability, assistance/towing.
** Qualitative assessment based on customer reviews collected by our teams; unscientific.
Questions about how to insure a boat?
Check out our frequently asked questions. Some common questions are:
- How long does it take to get a fishing boat insurance quote?
- How do I access my fishing boat insurance quote again?
- My boat model is not listed in the boat search. How do I get my fishing boat insurance quote?
You can also contact us for a fishing boat insurance quote or to review your policy options.
FAQ
What are the risks of boat insurance in Quebec?
In boat insurance in Quebec or Florida, the risks covered generally include damage to your boat or other boats, damage to property such as docks or moorings, as well as injuries caused to others or yourself while using your boat. Covered perils may also include damage caused by storms, fires, collisions, shipwrecks, or theft. It is important to understand the potential risks associated with using your boat and ensure that your insurance policy adequately covers these risks. It is also recommended that you discuss with your insurer the most appropriate coverage and coverage limits for your personal situation.
What is a boat insurance broker?
A boat insurance broker is a professional who specializes in researching and negotiating insurance contracts for boat owners. It acts as an intermediary between the client and the 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. It helps you compare insurance offers to cover your boat.
Is it more expensive to go through a broker than to insure yourself directly?
Not necessarily. Brokers can often get preferential rates because of their volume of business with insurers.
Does boat insurance cover an engine explosion?
Good boat insurance covers the explosion of an engine in certain circumstances. Check this with the insurance company that issues the policy. Many policies cover an engine explosion when it is due to a manufacturer’s defect, but not if it is due to normal wear and tear.
Does boat insurance cover me if I hit a rock?
If you have comprehensive insurance or property damage coverage built into your policy, your boat insurance will cover collisions with rocks, logs, and other marine obstacles.
Is Ontario Boat Insurance covered?
Recreational boating is permitted in Canada’s inland and coastal waters, the Great Lakes and their tributaries, and the states of New York and Vermont, with the exception of the Hudson River below the Tappan Zee Bridge and New York Harbour.
What is the coverage of boat and hurricane insurance?
In addition to the terms specific to the individual Extended Navigation Limit, the following conditions apply to all Extended Navigation Limits.
Loss or damage caused by a designated windstorm is excluded, unless the insured provides proof of compliance with the requirements of their insurer.
Generally, loss or damage caused by a designated windstorm is insured, with a deductible of 10% of the insured value applying to partial losses and total losses or deemed total losses. This deductible can be reduced to 5% if the hurricane emergency plan has been executed, according to the insurer.
Designated windstorms are those designated by the U.S. National Oceanic and Atmospheric Administration
What is the price of boat and sailboat insurance?
The price of boat and sailboat insurance varies depending on several factors. These factors include the value of the boat, the type of boat, the area of navigation, the intended use, the owner’s boating experience, the safety features installed, the claims history, the deductible chosen, and other elements specific to each insurer.
In general, the cost of insurance for a sailing boat can be influenced by considerations specific to sailing, such as the size of the sails, the capacity of the crew, and other characteristics unique to sailboats.
It is recommended that you request custom quotes from several boat insurance companies to get an accurate estimate of the cost of insurance for your specific boat and sailboat. Marine insurers can customize policies based on the specific needs of the owner and the characteristics of the boat.
Remember that price is not the only criterion to take into account. It is also important to check the coverage offered, any exclusions, limits of liability, and the terms and conditions of the policy to ensure that you are getting boat and sailboat insurance that meets your specific needs.
How is a marine insurance broker paid?
Brokers are often compensated by a commission paid by insurance companies, at no additional cost to the client.