Meta Pixel tracker

Nous utilisons des cookies pour mesurer l’audience et améliorer votre expérience. Vous pouvez accepter ou refuser. Consultez notre https://www.assur360.ca/en/privacy-policy-and-personal-information/.

Sea Ray Boat Insurance in Quebec

Are you looking for Sea Ray boat insurance in Quebec in 2026? Assur360 shops among more than 30 insurers to find the best coverage for your Sea Ray — bowrider, deck boat, center-console or cabin cruiser. Independent AMF certified firm, more than 100,000 quotes processed, indicative premium starting at $600/year.

COMPARATIVE SUBMISSION — 3 MIN

Sea Ray boat insurance — prices compared from $600/year

Get up to 30% savings by comparing the main marine insurers in Quebec.

My Sea Ray Boat Submission
30+
Insurers Compared
$600
Indicative premium from
3 min
Online Quote
100 %
Free & without obligation

Sea Ray at a glance

Sea Ray — founded in 1959 (Detroit, Michigan) — subsidiary of the Brunswick Group. Mid-to-high-end pleasure boats — sport boats, cabin cruisers and yachts up to 40 feet. Assur360 insures Sea Rays of all vintages, registered in Quebec, used in fresh or salt water (Gulf of St. Lawrence, Maritimes).

Sea Ray Covered Models

SPX 190 / 210 / 230

Sport boats bowriders 19–23 feet, MerCruiser sterndrive engines.

SLX 260 / 280 / 310

Premium Bowriders with Variable Pitch Hull Line, Deluxe Cockpit.

SDX 250 / 290

High-end deck boats with maximized space and refined finishes.

Sundancer 265 / 320 / 370

Cabin cruisers with berths, galley, bathroom — weekender use.

Sea Ray Insurance Specifics

Almost mandatory agreed value

A new SLX 280 costs $200,000+ — discounted cost coverage penalizes a total loss after 5–7 years. Negotiate an agreed value with the insurer.

Cab with fixed equipment

Sundancers contain a stove, refrigerator, VHF radio, built-in GPS — check that the electronic equipment endorsement includes these items (standard limit often $5,000).

Saltwater Use (Gulf/PEI)

Many QC owners take the boat out into the Gulf in the summer — declare the navigation area (corrosive salt water = possible surcharge).

2026 Indicative Prices — Sea Ray Insurance in Quebec

‘‘‘
Profile TypicalmodelIndicative premium /year
Small Boat 15–19SPX $190,600–900
Medium 20–24SLX $260,900–1300
Large 25–29SDX 250$1300–1600
30′ Cruiser+Sundancer 265$1600–$1800+

*2026 indicative rates based on a 40-year-old driver, 0 claims, marina wintering, QC freshwater. Get your exact price in 3 minutes.

💡

Broker advice — negotiating the agreed value

On a Sea Ray over $15,000, demand an agreed value at the time of purchase. In the event of a total loss (fire, sinking, theft), you receive the agreed amount without depreciation. Typical difference: $2,000–8,000 in your pocket.

Specific Sea Ray risks to be covered

⚠️ Don’t neglect these covers

  • Galvanic corrosion in brackish/salt water (Rimouski, Gaspé, PEI)
  • Engine fire disaster (Sundancer with kitchen on board)
  • Flight of on-board electronics (Garmin, Simrad, Raymarine)

How to get your Sea Ray boat quote — 4 steps

1

Describe your Sea Ray

Model, year, length, engine, estimated value, navigation area.

2

Assur360 Stores 30+ Insurers

Our systems compare the premiums of marine insurers operating in Quebec in real time.

3

Receive 3 options by email

Each option details coverage, deductible, agreed value and premium. No commitment.

4

Subscribe in 24 hours

Your partner broker finalizes the contract by email — certificate of insurance issued immediately for the marina.

Sea Ray boat insurance in the main regions of Quebec

Assur360 insures Sea Ray owners throughout Quebec — inland bodies of water and the St. Lawrence. We serve Montreal (Old Port, Îles-de-Boucherville), Quebec City (Île d’Orléans, Sillery Marina), Sherbrooke (Lake Memphremagog, Lake Massawippi), Gatineau (Ottawa River), Trois-Rivières (St. Lawrence, Lake Saint-Pierre), Saguenay (fjord, Lake Saint-Jean), Repentigny and Sorel-Tracy (Lake Saint-Pierre archipelago).

Why choose Assur360 for your Sea Ray?

✓ AMF-certified independent firm
✓ Insurance Chamber Members
✓More than 100,000 submissions processed
✓13 partner firms specialized in marine
✓Free and non-binding quote
✓Comparison of 30+ Quebec insurers

Frequently asked questions — Sea Ray boat insurance

How much does Sea Ray boat insurance cost in Quebec in 2026?
The 2026 indicative premiums for a Sea Ray boat in Quebec range from $600 to $1800 per year, with a median ticket around $700 – $1,400. The final price depends on the model, insured value, navigation area, release/wintering and your driver history.
Is Sea Ray boat insurance mandatory in Quebec?
No — the Canada Marine Act does not require boat insurance in Quebec. However, it is strongly recommended and frequently required by marinas, lenders (financing) and for navigation on certain bodies of water with controlled access.
What is the difference between present cost value and agreed value?
The present cost value (ACV) reimburses the market value on the day of the loss — less than what you paid . The agreed value sets in advance the amount reimbursed in the event of a total loss. For a recent or well-maintained Sea Ray, the agreed value is almost always more advantageous.
Is the trailer covered by the boat policy?
Not by default. The trailer is a registered vehicle and must be added as an endorsement to the boat policy, or covered by the auto policy that draws it (liability only). The boat trailer endorsement typically adds $40 to $90 per year.
Am I covered if I use my boat in saltwater (Gulf of St. Lawrence, PEI, Nova Scotia)?
It depends on the contract. Many “Quebec freshwater” policies exclude salt or brackish water. You must declare it and often take out an extended navigation endorsement. Assur360 shops among insurers that include the Gulf and the Maritimes without abusive surcharges.
Is outboard motor theft covered?
Yes, outboard motor theft is usually covered in comprehensive coverage, as long as the motor is bolted on properly and no negligence is demonstrated (boat left unattended, engine unlocked). Adding a Talon anti-theft system or a reinforced chain can reduce the premium.
How do I reduce my Sea Ray insurance premium?
Six concrete levers: (1) take a Transport Canada course and provide the Pleasure Craft Operator Card, (2) wintering included in a recognized marina, (3) higher deductible, (4) group with car/home, (5) agreed value, (6) declare a GPS tracking system.
What exactly does boat liability insurance cover?
Civil liability covers bodily injury or property damage that you cause to third parties with your boat (collision with another boat, injury to a passenger, damage to a dock). Assur360 recommends a minimum coverage of $2 million, standard $5 million for a powerful motorboat.

Other boat brands insured by Assur360

FREE QUOTE

Insure your Sea Ray at the best price

3 minutes online — 3 options compared by email — 0 commitments.

My Sea Ray Submission Call a broker
Scroll to Top