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Save on your boat insurance
- Free quotes in just a few clicks.
- Comparison between several insurers specializing in pleasure craft.
- Personalized insurance according to your type of pontoon (small, with motor, luxurious, etc.).
- Protection against frequent risks on Quebec lakes.
Pontoons – Length Estimation
| Length of the pontoon | Typical value insured | Most Common Coverage | Monthly premium (approx.) | What to Watch For |
|---|---|---|---|---|
| ≤ 16 ‘ (small pontoon) | $15–25K | All Risks + Marine Liability $1–2M | $18–32 | Theft of removable equipment; Require Padlock/Storage |
| 17–19 ft | $20–35K | All Risks + Assistance/Towing | $22–38 | Check the declared navigation area (lake/river) |
| 20–22 ‘ (Common Wagon) | $30–55K | All perils + personal effects $2–5K | $28–48 | Windshield/awning, electronics (sonar, GPS) to be included |
| 23–24 ft | $45–70K | All risks + loss of use | $35–60 | Power 150–200 hp → cost of repairs ↑ |
| 25–27 ft | $60–90K | All risks + agreed value (option) | $45–75 | Require OEM parts; Indoor storage = best rate |
| ≥ 28′ (high-end) | $80–140K+ | All Risks (Agreed Value) + RCA $2–5M | $60–110 | Anti-theft/tracker sometimes required; Proof of nautical experience |
Minimum recommended guarantees for a pontoon
| Guarantee | Included in standard coverage |
|---|---|
| Theft or vandalism | ✅ |
| Accident or collision | ✅ |
| Damage to others (RC) | ✅ |
| Natural perils (wind, hail, fire, submersion) | ✅ |
| Other (towing, assistance, etc.) | ✅ according to the contract |
What influences the price of your pontoon insurance
Type of pontoon : standard, motorized, double hull, with hut, etc.
Use : recreational boating, family boating, transportation, fishing, rental.
Mooring location : private marina, residential dock, vacant lot.
Insured value : new or used, and the amount of coverage chosen.
Driver History : Experience, nautical training, previous claims.
Deductible : the higher the deductible, the lower the premium.
How to choose the best insurance for your pontoon?
Here are the important criteria to consider:
- Type of boat : premiums vary depending on the model (single pontoon, motorized pontoon, etc.).
- Navigation area : fresh water only, or with extensions if used elsewhere.
- Insured value : Insure at fair value to avoid undercompensation.
- Deductible and exclusions : read the conditions carefully to avoid surprises.
- Nautical assistance : in case of breakdown or need to tow.
- Customer service : choose a broker who understands the needs of boaters.
Jean Boissonneault, partner at Assur360, explains:
“Good boat insurance should never be a headache. It must be simple to understand, quick to obtain and above all adapted to the reality of each browser. »
Get your quote now
Est-ce obligatoire d’assurer un ponton au Québec?
No, but it is highly recommended. Accidents on the water are common, and insurance protects your investment.
How much does pontoon insurance cost?
Prices vary between $200 and $800 per year depending on the value of the boat, your profile and the coverage chosen.
Mon assurance habitation couvre-t-elle mon ponton?
Not while sailing. Specific boat insurance is required as soon as the pontoon is launched.
