Inflatable boat insurance (Zodiac, RIB) — Quebec 2026

From $180 to $950/year. A 3 m appendix with a 9.9 HP engine costs about $280, a 5 m RIB with 90 HP costs $420 – $680. High-performance RIBs (150+ HP) often exceed $900 due to increased risk.

Partially. Most home policies cover a boat without an engine or with an engine of less than 25 HP, for a value under $1,500. Anything above requires a dedicated marine policy.

Yes, the motor is covered if it is explicitly insured on the policy. Always specify the make, model, year, and serial number — an undeclared motor is not covered in case of theft.

Call Assur360 (1-866-357-4451) and the police immediately for a report. Photos of the trailer, storage location, and locks. The average compensation time is 10 to 21 days after the police report and purchase invoice.

Accidental tearing yes (impact, collision). Progressive UV degradation no. A knife puncture/vandalism is covered subject to a police report.

Yes, via an “appendix” endorsement on the mother yacht’s policy — generally cheaper than a separate policy. Ask your insurance broker to link the two policies.

Yes, as soon as the engine exceeds 7.5 kW (about 10 HP), the pleasure craft operator card is mandatory in Canada, regardless of the type of boat.

Insurers require an ASTM-approved U-lock or Sold Secure for the engine, and a covered anti-theft chain for the boat. Without proof of installation, the theft deductible doubles (often $1,000 → $2,000).

Yes, towing is generally covered if declared in the contract. Some insurers require a $2M liability for towing (higher risk of injury), especially for tubes and wakeboarding.

During transport, yes — collision, overturning, theft of the entire unit during a stop. However, check that a “trailer” endorsement is added; otherwise, only the trailer itself is covered by the towing vehicle.