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RSA MARINE NOTICE

RSA Marine — Boat Insurance in Quebec

Everything you need to know about the RSA Marine program: coverage, prices, benefits, limits. Independent comparison by Assur360, independent comparison platform partnered with AMF certified firms.

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Who is RSA Marine?

RSA Canada (now Intact following the 2022 acquisition) maintains certain specialized marine programs through its historical broker networks.

Scope: RSA legacy network.

Coverage offered by RSA Marine

Civil liability

Up to $2M standard. Covers injuries and damage caused to third parties.

All-risk damage

Theft, collision, vandalism, storm, fire. With or without a deductible.

Accessories and equipment

Paddles, sonar, vests, booster motor. Ceiling generally 10% of the value.

Marine towing

Add-on option — useful in case of breakdown or damage on the water.

Emergency Fees

Medical evacuation, rescue costs if the boat is in distress.

Navigation US

Coverage up to the United States (Florida, Bahamas) — check territorial boundaries.

Average prices at RSA Marine

Here are the typical ranges observed in 2026 at RSA Marine for the main categories of boats in Quebec:

Annual$$$$
Type of boatTypical valuepremium
Fishing Boat / Aluminum$10,000 — $30,000$300 — $700
Motorboat 5-7 m$20,000 — $60,000$450 — $1,100
Family pontoon$25,000 — $80,000$500 — $1,200
Cruising sailboat$40,000 — $200,000$800 — $2,500
Yacht / cabin cruiser$100,000+$1,800 — $6,000+

Advantages and limitations of RSA Marine

✅ Financial strength

Established insurer, great ability to pay in the event of major claims.

✅ Standard Coverage

All common types of covered watercraft.

✅ Multi-policy discount

Savings possible if you combine car/home/boat.

⚠️ Variable personalized service

According to the intermediary broker. Choose an experienced ship broker for better advice.

⚠️ Atypical boats

Not always the best choice for high-end yachts, vintage boats or commercial uses.

⚠️ Price

Not systematically the lowest. Compare with specialized programs (April Marine, Pacific Marine) before signing.

How to get an RSA Marine quote

Assur360 connects Quebec boat owners with AMF-certified partner firms. These firms are authorized to bid with RSA Marine as well as 9+ other marine insurers, guaranteeing you an objective comparison.

Process: 1) Fill out the form in 3 minutes, 2) A broker from a partner firm calls you back, 3) Receive 3 comparative proposals within 24 business hours, 4) You are free to choose.

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 — RSA Marine

How do I know if RSA Marine is the best choice for me?
Have your file compared by an insurance broker from a partner firm who will bid on several insurers (including RSA Marine). The best contract depends on your boat, profile and needs.
Does RSA Marine cover used boats?
Yes, usually, sometimes with restrictions on age (15 years) or the need for a prior maritime inspection for boats of significant value.
Is there a multi-policy discount with RSA Marine?
Possibly, if you have other insurance in the same group (car, home). Ask your broker for the comparative simulation.
Does RSA Marine cover shipping in the US?
Yes in most cases, subject to territorial extension or amendment. Explicitly check before an extended stay (3 months).
How long does it take to process a complaint?
Simple loss: 4 to 8 weeks. Complex claim: 3 to 12 months. The quality of the file (photos, testimonies, expertise) shortens this period.
Can I cancel during the contract?
Yes, usually with 30 days’ notice. The refund is prorated minus the administrative fee.
How to file a complaint against RSA Marine?
1) With the insurer’s customer service, 2) With the Chamber of Insurance if there is a breach of ethics, 3) With the AMF for contractual disputes.
What is the standard deductible at RSA Marine?
$500 to $2,500 usually. A high deductible reduces the premium by 10 to 25% but increases your cost in the event of a claim.

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