COMPARATIVE 2026

April Marine vs Pacific Marine

April Marine and Pacific Marine are two specialized marine insurance programs in Canada. Here is a neutral comparison to help you choose.

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Detailed comparison

April MarinePacific MarineCriterion
Type of OrganizationAMI/April Canada Specialized Program SpecializedMarine Program
Target marketYachting, sailboats, yachts, long river navigation and USYachting motorboat, personal watercraft
Average price (5-7m boat)$500 — $1,100$450 — $1,000
US/Bahamas NavigationVery good coverageGood, with endorsement
Vintage boats (>15 years old)Accepted with inspectionVariable according to file
Yacht / cabin cruiserStrong expertiseAccepted
Customer ServiceCentralizedCentralized
DistributionVia partner firmsVia partner firms

Which option is right for you?

The right choice depends on your profile, your boat, your use and your budget. An insurance broker from an AMF-certified partner firm can analyze your file and offer you the best protection at the right price.

Recommended approach: request 3 comparative quotes via Assur360 (free, 3 min). You receive the proposals of the different options and make an informed choice.

Why trust Assur360?

  • ✅ Independent networking platform, partner of AMF-certified firms
  • ✅ More than 100,000 insurance quotes made in Quebec since 2001
  • ✅ Brokers of partner firms affiliated with the Chamber of Insurance
  • ✅ Free, no-obligation service — insurer pays broker

Frequently asked questions

How do I compare two insurance options?
Compare the following: annual premium, deductible, coverage limits, exclusions, post-claim service, insurer reputation.
Is the price the only criterion?
No. A low premium with significant exclusions or a high deductible can be expensive in the event of a claim. Evaluate the overall value for money.
Can I change insurer during the course of my contract?
Yes, with 30 days’ notice usually. The refund is prorated minus administrative fees.
What documents should I prepare to compare?
Current policy (to compare conditions), value of the boat, purchase invoices and accessories, claims file, PCOC.
Can a broker negotiate rates?
Yes. A broker from our partner firms compares several insurers and negotiates the best conditions for your profile.
How long does it take to get comparative quotes?
Online submission in 3 minutes, receipt of all 3 proposals within 24 business hours.

Compare in 3 minutes

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