{"id":15600,"date":"2014-09-04T01:08:45","date_gmt":"2014-09-04T05:08:45","guid":{"rendered":"https:\/\/www.assur360.ca\/boat-insurance-6\/"},"modified":"2026-05-22T00:32:28","modified_gmt":"2026-05-22T04:32:28","slug":"boat-insurance-6","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/","title":{"rendered":"Quebec Boat Insurance 2026 | Comparative Submission | Assur360"},"content":{"rendered":"\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">BATEAU<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Assurance bateau au Qu\u00e9bec<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Pontons, bateaux moteur, motomarines, voiliers : couverture adapt\u00e9e.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"\/?page_id=17233\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Soumission bateau<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/orso-le-courtier-assurance-bateau.png\" alt=\"Orso, courtier d'assurance bateau Assur360\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\" \/><\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Boat insurance protects your investment against the unexpected on the water and at the dock. In Quebec, with more than 500,000 licensed pleasure craft, the risks are real: collision, theft, storm, vandalism, damage to third parties. Whether you own a motorboat, a pontoon, a personal watercraft or a yacht, Assur360 allows you to <strong>compare 3 quotes from AMF-certified brokers in less than 120 seconds<\/strong>. Same amounts, same deductible \u2014 you only pay the right price.   <\/p>\n\n<p class=\"wp-block-paragraph\">Vous poss\u00e9dez un voilier ? Consultez notre <a href=\"https:\/\/www.assur360.ca\/assurance-voilier\/\" title=\"Assurance voilier Qu&#xE9;bec\">guide sp\u00e9cialis\u00e9 assurance voilier<\/a> pour les couvertures gr\u00e9ement, r\u00e9gates et hivernage.<\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-bateau.jpg\" alt=\"Sailboat seen from the sky on blue water \u2014 Assur360 boat insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Boat-insurance-in-Quebec-what-you-need-to-know\" >Boat insurance in Quebec: what you need to know<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#How-much-does-boat-insurance-cost-in-Quebec-in-2026\" >How much does boat insurance cost in Quebec in 2026?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Quebec-Boat-Insurance-2026-Comparative-Submission-Assur360\" >Quebec Boat Insurance 2026 | Comparative Submission | Assur360<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Is-boat-insurance-mandatory-in-Quebec\" >Is boat insurance mandatory in Quebec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Essential-boat-insurance-coverage\" >Essential boat insurance coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Comparison-of-boat-insurers-in-Quebec-2026\" >Comparison of boat insurers in Quebec (2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Our-specialist-insurance-partners\" >Our specialist insurance partners<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#What-boat-insurance-does-NOT-cover-common-exclusions\" >What boat insurance does NOT cover (common exclusions)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Sailing-in-the-South-Florida-Bahamas-and-the-Caribbean\" >Sailing in the South: Florida, Bahamas and the Caribbean<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#How-to-reduce-the-cost-of-your-boat-insurance\" >How to reduce the cost of your boat insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#What-to-do-in-the-event-of-a-claim-with-your-boat\" >What to do in the event of a claim with your boat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Related-articles\" >Related articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Sources-and-references\" >Sources and references<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Frequently-asked-questions-about-boat-insurance\" >Frequently asked questions about boat insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/#Explore-our-boat-insurance-guides\" >Explore our boat insurance guides<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Boat-insurance-in-Quebec-what-you-need-to-know\"><\/span>Boat insurance in Quebec: what you need to know<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">In Quebec, there is no law requiring you to insure your boat, but <strong>civil liability ($1 to $2 million)<\/strong> is essential: a single accident on the water can cost hundreds of thousands of dollars in bodily injury and property damage to third parties.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Important:<\/strong> <em>the all-risk<\/em> coverage (collision, theft, storm, vandalism) is rarely included by default. Check the <strong>submerged engine, trailer and accessories<\/strong> cover with your broker. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-boat-insurance-cost-in-Quebec-in-2026\"><\/span>How much does boat insurance cost in Quebec in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The average cost of boat insurance in Quebec is between <strong>$150 and $1,500 per year<\/strong> for most recreational boats. Here are the typical price ranges observed in 2026: <\/p>\n\n<style>.prix-bateau-table { width:100%; border-collapse:separate; border-spacing:0; font-size:15px; border-radius:16px; overflow:hidden; box-shadow: 0 1px 3px rgba(0,0,0,0.08); }\n.prix-bateau-table thead { background: linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%); }\n.prix-bateau-table thead th { color:#fff; padding:16px 20px; text-align:left; font-weight:600; font-size:14px; letter-spacing:0.5px; }\n.prix-bateau-table tbody tr { border-bottom:1px solid #e2e8f0; transition: background 0.15s; }\n.prix-bateau-table tbody tr:hover { background:#f0fdfa; }\n.prix-bateau-table tbody tr:last-child { border-bottom:none; }\n.prix-bateau-table tbody td { padding:14px 20px; color:#1e293b; }\n.prix-bateau-table tbody td:first-child { font-weight:600; }\n.prix-bateau-table tbody td:last-child { color:#0d9488; font-weight:700; }\n@media (max-width:768px) {\n  .prix-bateau-table { font-size:13px; display:block; overflow-x:auto; }\n  .prix-bateau-table thead th, .prix-bateau-table tbody td { padding:10px 12px; white-space:nowrap; }\n}\n<\/style><table class=\"prix-bateau-table\"><thead><tr><th>Type d&#8217;embarcation<\/th><th>Valeur typique<\/th><th>Prime annuelle estim\u00e9e<\/th><\/tr><\/thead><tbody><tr><td>\ud83d\udea4 Chaloupe \/ petit bateau (< 20 pi)<\/td><td>5 000 $ \u2013 20 000 $<\/td><td>150 $ \u2013 400 $<\/td><\/tr><tr><td>\ud83c\udfce\ufe0f Bateau \u00e0 moteur (20-30 pi)<\/td><td>20 000 $ \u2013 80 000 $<\/td><td>400 $ \u2013 1 200 $<\/td><\/tr><tr><td>\u26f5 Ponton (20-28 pi)<\/td><td>30 000 $ \u2013 80 000 $<\/td><td>350 $ \u2013 900 $<\/td><\/tr><tr><td>\ud83c\udfa3 Bateau de p\u00eache sportive<\/td><td>25 000 $ \u2013 100 000 $<\/td><td>500 $ \u2013 1 500 $<\/td><\/tr><tr><td>\ud83d\udca8 Motomarine \/ jet-ski<\/td><td>5 000 $ \u2013 25 000 $<\/td><td>200 $ \u2013 500 $<\/td><\/tr><tr><td>\ud83d\udee5\ufe0f Yacht (40+ pi)<\/td><td>150 000 $ \u2013 500 000 $+<\/td><td>2 500 $ \u2013 8 000 $+<\/td><\/tr><\/tbody><\/table>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Quebec-Boat-Insurance-2026-Comparative-Submission-Assur360\"><\/span>Quebec Boat Insurance 2026 | Comparative Submission | Assur360<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<p class=\"wp-block-paragraph\">These prices generally include $2 million in civil liability, hull coverage and assistance at sea. Factors that influence your premium: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Value of the boat<\/strong> \u2014 the higher the value, the higher the premium<\/li>\n\n\n\n<li><strong>Type of boat<\/strong> \u2014 a pontoon costs less to insure than a performance boat<\/li>\n\n\n\n<li><strong>Operator experience<\/strong> \u2014 pleasure craft operator card and years of experience reduce premium<\/li>\n\n\n\n<li><strong>Navigation area<\/strong> \u2014 inland waters only vs. St. Lawrence River vs. coastal navigation<\/li>\n\n\n\n<li><strong>Storage and wintering location<\/strong> \u2014 heated indoor vs. outdoor on trailer<\/li>\n\n\n\n<li><strong>Claims history<\/strong> \u2014 3+ years clean record = best rate<\/li>\n\n\n\n<li><strong>Selected deductible<\/strong> \u2014 going from $500 to $1,500 reduces the premium by 15% to 25%<\/li>\n\n\n\n<li><strong>Anti-theft devices and GPS trackers<\/strong> \u2014 valued by all insurers<\/li>\n<\/ul>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:24px;font-style:normal;font-weight:700\">Compare 3 boat insurance quotes \u2014 free, no obligation<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">In less than 120 seconds. AMF certified brokers. <\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my free quotes<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is-boat-insurance-mandatory-in-Quebec\"><\/span>Is boat insurance mandatory in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>No, boat insurance is not legally mandatory in Quebec or elsewhere in Canada.<\/strong> However, it is strongly recommended by the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noopener noreferrer\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> and the <a href=\"https:\/\/fr.ibc.ca\/\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Bureau of Canada (IBC).<\/a> Most marinas and yacht clubs in Quebec require proof of <strong>civil liability of at least $1 million to $2 million<\/strong> to access their facilities. <\/p>\n\n<p class=\"wp-block-paragraph\">Without insurance, you&#8217;re personally responsible for any damage caused to third parties \u2014 a collision with a dock or another boat can easily result in claims ranging from <strong>$100,000 to millions of dollars<\/strong>. The cost of liability insurance (a few hundred dollars per year) pales in comparison to this financial risk. <\/p>\n\n<p class=\"wp-block-paragraph\">What IS mandatory according to <a href=\"https:\/\/tc.canada.ca\/fr\/transport-maritime\/securite-maritime\" target=\"_blank\" rel=\"noopener noreferrer\">Transport Canada<\/a> : the <strong>registration<\/strong> of any motorized boat over 10 HP (7.5 kW), the <strong>Pleasure Craft Operator Card<\/strong> (PCOC) for all motorboat operators, and the <strong>regulatory safety equipment<\/strong> on board (PFDs, fire extinguishers, distress signals, buoyant rope).<\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-boat-insurance-coverage\"><\/span>Essential boat insurance coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A comprehensive boat insurance policy in Quebec should cover the following. Check each coverage before signing your contract: <\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-340b9992 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Civil liability ($2 million+)<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\">Covers damage you cause to third parties: other boats, docks, injured people. Recommended minimum: $2,000,000. This is the most important coverage \u2014 without it, your personal wealth is at risk.  <\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Hull damage (all perils)<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\">Protects your boat from collision, grounding, storm, fire, lightning, vandalism, and theft. The all-risk coverage is more comprehensive than the &#8220;named perils&#8221; coverage, which only covers the perils named in the contract. <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-340b9992 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Agreed Value vs. Market Value<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\">The <strong>agreed value<\/strong> pays an agreed amount to the contract in the event of a total loss. <strong>The market value<\/strong> pays the market price after depreciation \u2014 often much less. For a well-maintained or improved boat, the agreed value is recommended.  <\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Equipment and accessories<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\">Covers onboard electronics (GPS, sonar, radar), fishing equipment, trailer and accessories. These items often represent 10% to 20% of the total value of the boat. Declare them in the contract to be covered.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-340b9992 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Assistance and towing at sea<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\">Towing at sea can cost anywhere from $500 to $5,000 depending on the distance and conditions. Assistance covers emergency towing, mechanical breakdown assistance, fuel delivery and repatriation in the event of a major claim. <\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-color:#e2e8f0;border-width:1px;border-radius:12px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;margin-top:0px;margin-bottom:8px;font-size:16px\">Winterization and storage<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:14px\">In Quebec, your boat spends 5 to 6 months out of the water. The insurance must cover storage risks: collapse of supports, snow overload, theft, vandalism. Launching and hoisting operations are also high-risk times.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-of-boat-insurers-in-Quebec-2026\"><\/span>Comparison of boat insurers in Quebec (2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360 works with the main insurers specializing in marine insurance in Quebec. Here is a comparison based on the experience of our brokers and the feedback of our customers: <\/p>\n\n<style>.comparatif-assureurs { width:100%; border-collapse:separate; border-spacing:0; font-size:14px; border-radius:16px; overflow:hidden; box-shadow: 0 1px 3px rgba(0,0,0,0.08); }\n.comparatif-assureurs thead { background: linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%); }\n.comparatif-assureurs thead th { color:#fff; padding:14px 16px; text-align:left; font-weight:600; font-size:12px; letter-spacing:0.5px; text-transform:uppercase; }\n.comparatif-assureurs tbody tr { border-bottom:1px solid #f1f5f9; transition: background 0.15s; }\n.comparatif-assureurs tbody tr:hover { background:#f0fdfa; }\n.comparatif-assureurs tbody td { padding:14px 16px; color:#334155; vertical-align:top; }\n.comparatif-assureurs .nom { font-weight:700; color:#0d1f2d; font-size:15px; display:block; }\n.comparatif-assureurs .profil { font-size:12px; color:#64748b; display:block; margin-top:2px; }\n.comparatif-assureurs .force { color:#0d9488; }\n.comparatif-assureurs .limite { color:#94a3b8; font-size:13px; }\n.comparatif-assureurs .note { display:inline-block; background:#10c4c7; color:#fff; padding:4px 10px; border-radius:20px; font-weight:700; font-size:14px; }\n.comparatif-assureurs .prix { display:inline-block; background:#f0fdf4; color:#166534; padding:3px 8px; border-radius:6px; font-weight:600; font-size:13px; }\n@media (max-width:768px) {\n  .comparatif-assureurs { font-size:12px; display:block; overflow-x:auto; }\n  .comparatif-assureurs thead th, .comparatif-assureurs tbody td { padding:10px 8px; }\n}\n<\/style><table class=\"comparatif-assureurs\"><thead><tr><th>Assureur<\/th><th>Points forts<\/th><th>Limites<\/th><th>Prix<\/th><th>Note<\/th><\/tr><\/thead><tbody><tr><td><span class=\"nom\">Intact<\/span><span class=\"profil\">Bateaux polyvalents, usage familial<\/span><\/td><td class=\"force\">R\u00e9seau large, gestion sinistre reconnue, rabais multi-polices<\/td><td class=\"limite\">App\u00e9tit limit\u00e9 pour haute performance<\/td><td><span class=\"prix\">$$<\/span><\/td><td><span class=\"note\">4.3<\/span><\/td><\/tr><tr><td><span class=\"nom\">Aviva<\/span><span class=\"profil\">Voiliers, p\u00eache sportive, taille moyenne<\/span><\/td><td class=\"force\">Produits marins flexibles, bons ajustements valeur\/\u00e9quipement<\/td><td class=\"limite\">Exigences d&#8217;entreposage parfois strictes<\/td><td><span class=\"prix\">$$<\/span><\/td><td><span class=\"note\">4.2<\/span><\/td><\/tr><tr><td><span class=\"nom\">L&#8217;Unique<\/span><span class=\"profil\">Plaisance standard, budgets ma\u00eetris\u00e9s<\/span><\/td><td class=\"force\">Simplicit\u00e9, tarifs comp\u00e9titifs sur dossiers propres<\/td><td class=\"limite\">Moins d&#8217;app\u00e9tit pour cas hors norme<\/td><td><span class=\"prix\">$\u2013$$<\/span><\/td><td><span class=\"note\">4.1<\/span><\/td><\/tr><tr><td><span class=\"nom\">PMU (Pacific Marine)<\/span><span class=\"profil\">Haut de gamme, performance, navigation \u00e9tendue<\/span><\/td><td class=\"force\">Expertise sp\u00e9cialis\u00e9e, tol\u00e8re le non-standard, options techniques<\/td><td class=\"limite\">Prix plus \u00e9lev\u00e9s sur petites unit\u00e9s<\/td><td><span class=\"prix\">$$\u2013$$$<\/span><\/td><td><span class=\"note\">4.4<\/span><\/td><\/tr><tr><td><span class=\"nom\">April Marine<\/span><span class=\"profil\">Marine d\u00e9di\u00e9 : voiliers, vedettes, multicoques<\/span><\/td><td class=\"force\">Produits marins pointus, services d\u00e9di\u00e9s plaisanciers<\/td><td class=\"limite\">Tarifs sensibles pour d\u00e9butants<\/td><td><span class=\"prix\">$$\u2013$$$<\/span><\/td><td><span class=\"note\">4.0<\/span><\/td><\/tr><\/tbody><\/table>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#94a3b8;font-size:13px\">* Qualitative assessment based on customer reviews collected by our brokers. Prices and conditions vary according to your profile. <\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Our-specialist-insurance-partners\"><\/span>Our specialist insurance partners<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-4ab3db7f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66%\">\n<h3 class=\"wp-block-heading\">Pacific Marine Underwriting (PMU)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PMU has solid know-how in recreational boat insurance across Canada. With <strong>over 50 years of experience<\/strong>, they offer safe, competitive, and comprehensive insurance products. Specializing in high-end boats, performance boats, and extended sailing, PMU is the preferred choice for discerning boaters.  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:34%\">\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.assur360.ca\/en\/pacific-marine-online-boat-insurance\/\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2018\/04\/Pacific-marine.png\" alt=\"Pacific Marine PMU &#x2014; specialty boat insurance\"\/><\/a><\/figure>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-4ab3db7f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66%\">\n<h3 class=\"wp-block-heading\">April Marine<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">April Marine is an insurer dedicated exclusively to boating. With products designed specifically for boaters \u2014 sailboats, speedboats, multihulls, catamarans \u2014 April offers advanced coverage including agreed value, onboard effects and marine towing. 100% online quote.  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:34%\">\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.assur360.ca\/en\/april-marine-2\/\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2016\/09\/April-assurance-maritime.png\" alt=\"April Marine &#x2014; Specialty Marine Insurance\"\/><\/a><\/figure>\n<\/div>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:24px;font-style:normal;font-weight:700\">Protect your boat before the sailing season<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Free quote, no obligation. Our specialized brokers will support you. <\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Compare prices now<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-boat-insurance-does-NOT-cover-common-exclusions\"><\/span>What boat insurance does NOT cover (common exclusions)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Before signing your contract, check the exclusions. Here&#8217;s what most boat insurance policies <strong>don&#8217;t cover<\/strong> : <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Normal wear and tear and gradual deterioration<\/strong> \u2014 regular maintenance is your responsibility<\/li>\n\n\n\n<li><strong>Lack of maintenance<\/strong> \u2014 damage caused by lack of maintenance (untreated osmosis, unmaintained engine)<\/li>\n\n\n\n<li><strong>Boating under the influence of alcohol or drugs<\/strong> \u2014 the same limits as on the road apply on the water (0.08% in the Criminal Code)<\/li>\n\n\n\n<li><strong>Non-sanctioned races and competitions<\/strong> \u2013 a competition endorsement is required for regattas<\/li>\n\n\n\n<li><strong>Undeclared commercial use<\/strong> \u2014 if you use your vessel for rental, commercial fishing or charter without declaring it<\/li>\n\n\n\n<li><strong>Browsing outside the declared territory<\/strong> \u2014 if you sail beyond your covered area without an extension endorsement<\/li>\n\n\n\n<li><strong>Intentional pollution damage \u2014 deliberate spillage<\/strong> of fuel or chemicals<\/li>\n\n\n\n<li><strong>War, terrorism, government forfeiture<\/strong> \u2014 standard exclusions in all policies<\/li>\n<\/ul>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sailing-in-the-South-Florida-Bahamas-and-the-Caribbean\"><\/span>Sailing in the South: Florida, Bahamas and the Caribbean<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Sailing in the waters of <strong>Florida and the Bahamas<\/strong> requires an Extension of Navigation Limits Endorsement to your policy. These areas have specific risks: hurricanes (June-November season), extreme weather conditions and different local regulations. The deductible for damage caused by a designated windstorm (named by NOAA) is typically <strong>10% of the insured value<\/strong>, reduced to <strong>5% if the hurricane emergency plan has been executed<\/strong>.  <\/p>\n\n<p class=\"wp-block-paragraph\">Before heading south, always declare your itinerary to your insurer and check that your coverage extends to international waters and specific areas visited. Our brokers structure comprehensive programs for Quebec boaters who sail south during the winter. <\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-reduce-the-cost-of-your-boat-insurance\"><\/span>How to reduce the cost of your boat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n<li><strong>Get your driver&#8217;s card<\/strong> \u2014 the PCOC is mandatory and reduces your premium from 5% to 10%<\/li>\n\n\n\n<li><strong>Install a lock and GPS tracker<\/strong> \u2014 insurers offer discounts for security features<\/li>\n\n\n\n<li><strong>Store indoors<\/strong> \u2014 winterizing in buildings reduces risk and premiums<\/li>\n\n\n\n<li><strong>Increase your deductible<\/strong> \u2014 going from $500 to $1,500 can reduce the premium by 15% to 25%<\/li>\n\n\n\n<li><strong>Bundle your insurance<\/strong> \u2014 boat + auto + home = significant multi-product discount<\/li>\n\n\n\n<li><strong>Keep a clean record<\/strong> \u2014 3+ claims-free years = best rate guaranteed<\/li>\n\n\n\n<li><strong>Use an independent broker<\/strong> \u2014 a broker compares multiple insurers and trades on your behalf. It&#8217;s free for the customer. <\/li>\n<\/ol>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-to-do-in-the-event-of-a-claim-with-your-boat\"><\/span>What to do in the event of a claim with your boat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n<li><strong>Ensure the safety<\/strong> of all passengers. Call 911 if necessary. <\/li>\n\n\n\n<li><strong>Document damage<\/strong> \u2014 take detailed photos and videos before handling.<\/li>\n\n\n\n<li><strong>Contact your insurer within 24 hours<\/strong> \u2014 the sooner you report, the more effective the treatment.<\/li>\n\n\n\n<li><strong>Do not start any repairs<\/strong> before the adjuster&#8217;s visit, except to prevent further damage.<\/li>\n\n\n\n<li><strong>Keep all the evidence<\/strong> \u2014 police reports, testimonies, towing bills.<\/li>\n<\/ol>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:24px;font-style:normal;font-weight:700\">Get your boat insurance quote<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Compare Intact, Aviva, L&#8217;Unique, PMU and April Marine in one form.<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my 3 free quotes<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.assur360.ca\/assurance-voilier\/\">Assurance voilier au Qu\u00e9bec \u2014 guide expert pour navigateurs \u00e0 voile<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/assurance\/motomarine\/\">Assurance motomarine au Qu\u00e9bec<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/guide-assurance-bateau-2026\/\">Guide assurance bateau 2026 \u2014 tout ce que vous devez savoir<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/blog\/maritime\/courtier-assurance-bateau\/\">Pourquoi choisir un courtier sp\u00e9cialis\u00e9 en assurance maritime<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/\">Assurance habitation \u2014 profitez du rabais multi-produits<\/a><\/li>\n<\/ul>\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources-and-references\"><\/span>Sources and references<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/tc.canada.ca\/fr\/transport-maritime\/securite-maritime\" target=\"_blank\" rel=\"noopener noreferrer\">Transport Canada\u2014Marine Safety and Pleasure Craft Regulation<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noopener noreferrer\">Autorit\u00e9 des march\u00e9s financiers (AMF) \u2014 Guide to Insurance in Qu\u00e9bec<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/fr.ibc.ca\/\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Bureau of Canada (IBC) \u2014 Consumer Resources<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ccg-gcc.gc.ca\/publications\/boating-canotage\/5239-fra.html\" target=\"_blank\" rel=\"noopener noreferrer\">Canadian Coast Guard \u2014 Safe Boating Tips<\/a><\/li>\n<\/ul>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-boat-insurance\"><\/span>Frequently asked questions about boat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/assurance-bateau\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"L'assurance bateau est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, l'assurance bateau n'est pas l\u00e9galement obligatoire au Qu\u00e9bec ni ailleurs au Canada. Cependant, la plupart des marinas et clubs nautiques exigent une preuve de responsabilit\u00e9 civile d'au moins 1 M$ \u00e0 2 M$. Elle est fortement recommand\u00e9e par l'AMF et le Bureau d'assurance du Canada.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance bateau au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le co\u00fbt se situe entre 150 $ et 1 500 $ par ann\u00e9e pour la plupart des embarcations r\u00e9cr\u00e9atives. Un bateau \u00e0 moteur de 25 pieds co\u00fbte typiquement 400 $ \u00e0 1 200 $ par an. Le prix d\u00e9pend de la valeur, du type d'embarcation, de l'exp\u00e9rience du conducteur, de la zone de navigation et du lieu d'entreposage.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre valeur agr\u00e9\u00e9e et valeur marchande ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La valeur agr\u00e9\u00e9e est un montant fix\u00e9 au contrat, vers\u00e9 int\u00e9gralement en cas de perte totale. La valeur marchande est bas\u00e9e sur le prix du march\u00e9 au moment du sinistre, apr\u00e8s d\u00e9pr\u00e9ciation. Pour un bateau bien entretenu ou am\u00e9lior\u00e9, la valeur agr\u00e9\u00e9e est fortement recommand\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Mon assurance habitation couvre-t-elle mon bateau ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Certaines polices habitation couvrent les petites embarcations (moins de 10 pieds ou moteur de moins de 10 CV), mais la couverture est tr\u00e8s limit\u00e9e. Pour une protection ad\u00e9quate incluant responsabilit\u00e9 civile, dommages et vol, une police d'assurance bateau d\u00e9di\u00e9e est recommand\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Que faire en cas de sinistre avec mon bateau ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Assurez la s\u00e9curit\u00e9 des passagers et appelez le 911 si n\u00e9cessaire. Documentez les dommages avec photos et vid\u00e9os. Contactez votre assureur dans les 24 heures. Ne commencez aucune r\u00e9paration avant la visite de l'expert, sauf pour pr\u00e9venir des dommages suppl\u00e9mentaires.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance bateau couvre-t-elle l'hivernage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, si votre police inclut la couverture hors navigation. Au Qu\u00e9bec, votre bateau passe 5 \u00e0 6 mois hors de l'eau. La couverture prot\u00e8ge contre l'effondrement des supports, la surcharge de neige, le vol, le vandalisme et les dommages lors de la mise \u00e0 l'eau.\"}},{\"@type\":\"Question\",\"name\":\"Ai-je besoin d'une carte de conducteur pour mon bateau ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, tous les conducteurs d'embarcation motoris\u00e9e au Canada doivent d\u00e9tenir une carte de conducteur d'embarcation de plaisance (CCEP). C'est une certification unique, pas un permis renouvelable. Elle est obligatoire selon Transports Canada.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance couvre-t-elle la navigation aux \u00c9tats-Unis ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cela d\u00e9pend du territoire de navigation d\u00e9clar\u00e9 au contrat. Les polices standard couvrent les eaux du Qu\u00e9bec et du Canada adjacent. La c\u00f4te est am\u00e9ricaine, la Floride, les Bahamas et les Cara\u00efbes sont disponibles en option via un avenant d'extension.\"}},{\"@type\":\"Question\",\"name\":\"Comment r\u00e9duire le co\u00fbt de mon assurance bateau ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Obtenez votre carte de conducteur, installez un antivol et traceur GPS, entreposez en b\u00e2timent pendant l'hiver, augmentez votre franchise, regroupez bateau-auto-habitation pour un rabais multi-produits, et maintenez un dossier sans r\u00e9clamation pendant 3 ans ou plus.\"}},{\"@type\":\"Question\",\"name\":\"Quels types de bateaux peut-on assurer ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tous les types d'embarcations sont assurables : bateaux \u00e0 moteur, pontons, bateaux de p\u00eache, motomarines (jet-ski), voiliers, yachts, house-boats et embarcations commerciales. Chaque type a des besoins de couverture et une tarification sp\u00e9cifiques.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance couvre-t-elle l'explosion d'un moteur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la plupart des polices tous risques couvrent l'explosion d'un moteur caus\u00e9e par un d\u00e9faut de fabrication. L'usure normale et le d\u00e9faut d'entretien sont g\u00e9n\u00e9ralement exclus. V\u00e9rifiez les conditions sp\u00e9cifiques de votre contrat.\"}},{\"@type\":\"Question\",\"name\":\"Un courtier en assurance bateau, est-ce gratuit ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les services d'un courtier sont gratuits pour le client. Les courtiers sont r\u00e9mun\u00e9r\u00e9s par les compagnies d'assurance via des commissions. Ils comparent les offres de plusieurs assureurs pour trouver la meilleure couverture au meilleur prix.\"}}]}<\/script>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is boat insurance mandatory in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\"><strong>No, boat insurance is not legally mandatory<\/strong> in Quebec or elsewhere in Canada. However, it is strongly recommended by the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noopener noreferrer\">AMF<\/a> and the <a href=\"https:\/\/fr.ibc.ca\/\" target=\"_blank\" rel=\"noopener noreferrer\">IBC<\/a>. Most marinas and yacht clubs require proof of <strong>liability of at least $1 million to $2 million<\/strong> to access their facilities. Without insurance, you are personally liable for all damage caused to third parties.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does boat insurance cost in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\">The cost is between <strong>$150 and $1,500 per year<\/strong> for most recreational boats. A 25-foot motorboat typically costs <strong>$400 to $1,200\/year<\/strong>. Personal watercraft: $200 to $500. A 40+ foot yacht: $2,500 to $8,000+. The price depends on the value of the boat, the type of boat, your experience, the navigation area and the storage location. <a href=\"\/\">Get your personalized quote<\/a> to find out your exact price.    <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the difference between agreed value and market value?<\/summary>\n<p class=\"wp-block-paragraph\">The <strong>agreed value<\/strong> is an amount set in the contract between you and the insurer. In the event of a total loss, you receive this amount in full \u2014 without depreciation. The <strong>market value<\/strong> is based on the market price at the time of the loss, often much less than your actual investment. For an improved or well-maintained boat, the agreed value is highly recommended.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does my home insurance cover my boat?<\/summary>\n<p class=\"wp-block-paragraph\">Certaines polices <a href=\"https:\/\/www.assur360.ca\/assurance-habitation\/\">habitation<\/a> couvrent les petites embarcations (moins de 10 pieds ou moteur de moins de 10 CV), mais la couverture est <strong>tr\u00e8s limit\u00e9e<\/strong> \u2014 souvent aucune responsabilit\u00e9 civile sur l&#8217;eau, aucune couverture remorquage, et des limites tr\u00e8s basses. Pour une protection ad\u00e9quate incluant responsabilit\u00e9 civile 2 M$, dommages et vol, une <strong>police d&#8217;assurance bateau d\u00e9di\u00e9e<\/strong> est recommand\u00e9e.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What should I do in the event of a claim with my boat?<\/summary>\n<p class=\"wp-block-paragraph\"><strong>1.<\/strong> Ensure the safety of all passengers and call 911 if necessary. <strong>2.<\/strong> Document the damage with detailed photos and videos. <strong>3.<\/strong> Contact your insurer within <strong>24 hours<\/strong>. <strong>4.<\/strong> Do not start any repairs before the adjuster&#8217;s visit, except to prevent further damage. <strong>5.<\/strong> Keep all evidence: police reports, testimonies, towing bills.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does boat insurance cover wintering?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, if your policy includes <strong>non-navigation coverage<\/strong>. In Quebec, your boat spends 5 to 6 months out of the water. This cover protects against collapsing supports, snow load, theft, vandalism and damage during launching and hoisting. Some insurers offer a reduced rate during wintering if the boat is stored in a building.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Do I need a driver card for my boat?<\/summary>\n<p class=\"wp-block-paragraph\"><strong>Yes.<\/strong> All motorized boat operators in Canada must have a <strong>Pleasure Craft Operator Card<\/strong> (PCOC). It is a one-time certification (not a renewable permit) that is mandatory according to <a href=\"https:\/\/tc.canada.ca\/fr\/transport-maritime\/securite-maritime\" target=\"_blank\" rel=\"noopener noreferrer\">Transport Canada<\/a>. Obtaining the PCOC can also reduce your insurance premium by 5% to 10%.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does insurance cover boating in the US?<\/summary>\n<p class=\"wp-block-paragraph\">It depends on the <strong>navigation territory<\/strong> declared in the contract. Standard policies cover the inland waters of Quebec and adjacent Canada. The US East Coast, Florida, the Bahamas and the Caribbean are available as an option via an <strong>extension rider<\/strong> for an additional premium. Always declare your itinerary in advance to avoid a claim denial.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How can I reduce the cost of my boat insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Plusieurs strat\u00e9gies efficaces : obtenez votre <strong>carte de conducteur CCEP<\/strong> (-5 % \u00e0 -10 %), installez un antivol et un traceur GPS, entreposez en b\u00e2timent pendant l&#8217;hiver, augmentez votre franchise (500 $ \u2192 1 500 $ = -15 % \u00e0 -25 % sur la prime), regroupez <strong>bateau + auto + habitation<\/strong> pour un rabais multi-produits, et maintenez un dossier sans r\u00e9clamation pendant 3+ ans. Passer par un <a href=\"https:\/\/www.assur360.ca\/blog\/maritime\/courtier-assurance-bateau\/\">courtier ind\u00e9pendant<\/a> est aussi gratuit et permet de comparer plusieurs assureurs.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What types of boats can be insured?<\/summary>\n<p class=\"wp-block-paragraph\">Tous les types d&#8217;embarcations sont assurables : <strong>bateaux \u00e0 moteur<\/strong> (runabout, bowrider), <strong>pontons<\/strong>, <strong>bateaux de p\u00eache<\/strong> (bass boat, guide professionnel), <strong>motomarines<\/strong> (jet-ski, Sea-Doo), <strong>voiliers<\/strong> (voir notre <a href=\"https:\/\/www.assur360.ca\/assurance-voilier\/\">guide voilier d\u00e9di\u00e9<\/a>), <strong>yachts<\/strong>, house-boats et embarcations commerciales. Chaque type a des besoins de couverture et une tarification sp\u00e9cifiques.<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does insurance cover an engine explosion?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, most <strong>comprehensive<\/strong> policies cover an engine explosion caused by a manufacturing defect. Normal wear and tear and lack of maintenance are usually excluded. Some policies also cover mechanical breakdown via a specific endorsement. Check the terms of your contract with your broker.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is a boat insurance broker free?<\/summary>\n<p class=\"wp-block-paragraph\"><strong>Yes, the services of a broker are free of charge for the client.<\/strong>  Brokers are compensated by insurance companies via commissions \u2014 you don&#8217;t pay any additional fees. An independent broker like Assur360 compares the offers of several specialized insurers (Intact, Aviva, L&#8217;Unique, PMU, April Marine) to find the <strong>best coverage at the best price<\/strong> adapted to your profile. <\/p>\n<\/details>\n\n<h2 class=\"wp-block-heading\" style=\"text-align:center;margin:48px 0 8px\"><span class=\"ez-toc-section\" id=\"Explore-our-boat-insurance-guides\"><\/span>Explore our boat insurance guides<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"color:#64748b;max-width:720px;margin:0 auto 28px\">Detailed guides by type of boat, region and destination \u2014 2026 rates, specific risks and FAQs.<\/p>\n\n<div style=\"background:#fff;padding:24px 28px 32px;border-radius:16px;border:1px solid #e2e8f0;margin:12px 0 40px\">\n\n<h3 style=\"color:#0d1f2d;margin:28px 0 12px;font-size:1.2em\">Type d&#8217;embarcation<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px\">\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/ponton\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Ponton <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Pontoon boat, tritoon, familial<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/catamaran-trimaran\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Catamaran &#038; Trimaran <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Coque double ou triple, croisi\u00e8re<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/pneumatique\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Pneumatique (Zodiac) <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Zodiac, RIB, gonflable, annexe<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/peche\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Bateau de p\u00eache <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Lowrance, Pro-Line, p\u00eache au Qu\u00e9bec<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/assurance-voilier-montreal\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Voilier (Montr\u00e9al) <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Gr\u00e9ement, r\u00e9gates, croisi\u00e8re<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/embarcation-de-plaisance\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Embarcation de plaisance <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Guide complet tous types<\/div>\n<\/a>\n<\/div>\n\n<h3 style=\"color:#0d1f2d;margin:28px 0 12px;font-size:1.2em\">Yacht &#038; luxe<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px\">\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/assurance-yacht\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Yacht &#038; luxe 30&#8217;+ <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Embarcation de luxe, couverture \u00e9tendue<\/div>\n<\/a>\n<\/div>\n\n<h3 style=\"color:#0d1f2d;margin:28px 0 12px;font-size:1.2em\">R\u00e9gions &#038; lacs du Qu\u00e9bec<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px\">\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/magog\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Magog &#038; Memphr\u00e9magog <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Canton-de-l&#8217;Est, lac frontalier<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/saguenay\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Saguenay &#038; Lac-Saint-Jean <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Fjord, zones froides<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/assurance-bateau-a-trois-rivieres-soumission-rapide\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Trois-Rivi\u00e8res &#038; lac St-Pierre <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Mauricie, archipel<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/assurance-bateau-thetford-mines\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Thetford Mines <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Chaudi\u00e8re-Appalaches, lacs de la r\u00e9gion<\/div>\n<\/a>\n<\/div>\n\n<h3 style=\"color:#0d1f2d;margin:28px 0 12px;font-size:1.2em\">Destinations hivernales (Qu\u00e9b\u00e9cois snowbirds)<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px\">\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/floride\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Floride (USA) <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Intracoastal, ouragans, hors-Qu\u00e9bec<\/div>\n<\/a><a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/bahamas\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Bahamas <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Bluewater, croisi\u00e8re eaux tropicales<\/div>\n<\/a>\n<\/div>\n\n<h3 style=\"color:#0d1f2d;margin:28px 0 12px;font-size:1.2em\">Commencer maintenant<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px\">\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/soumission-rapide\/\" style=\"display:block;padding:20px;background:#f8fafc;border-radius:12px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;transition:all 0.2s\" onmouseover=\"this.style.borderColor='#10c4c7';this.style.transform='translateY(-2px)'\" onmouseout=\"this.style.borderColor='#e2e8f0';this.style.transform='translateY(0)'\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;font-size:1.02em\">Soumission rapide 3 min <span style=\"color:#10c4c7\">\u2192<\/span><\/div>\n<div style=\"font-size:0.88em;color:#64748b;line-height:1.4\">Formulaire simplifi\u00e9 en ligne<\/div>\n<\/a>\n<\/div>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:24px;font-style:normal;font-weight:700\">Ready to insure your boat?<\/p>\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Compare 3 quotes from AMF-certified brokers. Free, 120 seconds, no obligation. <\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my free quotes<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"description\":\"Courtier en assurance de dommages au Qu\u00e9bec sp\u00e9cialis\u00e9 en assurance maritime, automobile et habitation. Comparez 3 soumissions de courtiers certifi\u00e9s AMF.\",\"telephone\":\"1-866-350-9763\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/02\/logo-assur360.png\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/02\/logo-assur360.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Montr\u00e9al\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"priceRange\":\"$$\",\"areaServed\":[{\"@type\":\"AdministrativeArea\",\"name\":\"Qu\u00e9bec\"},{\"@type\":\"Country\",\"name\":\"Canada\"}],\"hasOfferCatalog\":{\"@type\":\"OfferCatalog\",\"name\":\"Assurance maritime\",\"itemListElement\":[{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance bateau \u00e0 moteur Qu\u00e9bec\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance ponton Qu\u00e9bec\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance motomarine Qu\u00e9bec\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance bateau de p\u00eache Qu\u00e9bec\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance yacht Qu\u00e9bec\"}},{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance voilier Qu\u00e9bec\"}}]},\"sameAs\":[\"https:\/\/lautorite.qc.ca\"]}<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance Bateau\",\"item\":\"https:\/\/www.assur360.ca\/assurance-bateau\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Get 3 comparable boat insurance quotes in 120 seconds. 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