{"id":16218,"date":"2024-02-09T13:53:58","date_gmt":"2024-02-09T18:53:58","guid":{"rendered":"https:\/\/www.assur360.ca\/best-pleasure-boat-insurance\/"},"modified":"2026-04-20T15:15:15","modified_gmt":"2026-04-20T19:15:15","slug":"best-pleasure-boat-insurance","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/best-pleasure-boat-insurance\/","title":{"rendered":"Pleasure boat insurance Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/09\/logo-assur360.png\",\"telephone\":\"+1-866-357-4451\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"Thetford Mines\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":{\"@type\":\"State\",\"name\":\"Qu\u00e9bec\"},\"serviceType\":\"Assurance bateau de plaisance (runabout, pontoon, ski boat, bateau de p\u00eache)\"}\n<\/script>\n\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<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\/bateau-plaisance.jpg\" alt=\"Pleasure craft \u2014 Assur360 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    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Pleasure-boat-insurance\"><\/span>Pleasure boat insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Pleasure boats (open, pontoon, cabin cruiser, sailboat) in Quebec need <strong>hull coverage (collision\/theft\/fire), equipment (outboard motor, electronics), and RC navigation $1-2 million<\/strong>.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Tip:<\/strong> boats stored ashore in winter often benefit from a <strong>30-50% discount<\/strong> on the season portion. Mention your wintering location and the length of the boating season. <\/p>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Pleasure boat insurance in Quebec<\/strong> protects your runabout, pontoon, bow rider, ski boat, cuddy cabin or fishing boat against theft, collision, vandalism, civil liability and storage claims. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> compare more than 9 insurers specializing in boats \u2014 to find the best coverage according to the type of boat, the use (lakes, rivers, rivers) and the Quebec season May to October. <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">BOAT INSURANCE 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-pleasure-boat-from-225year\"><\/span>Protect your pleasure boat from $225\/year<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free quote in 3 minutes. Comparison of 9+ insurers specializing in boats under 30 feet.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$225<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Annual Severance Bonus<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-a-pleasure-boat-in-the-sense-of-insurance\"><\/span>What is a pleasure boat in the sense of insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;\">A <strong>pleasure boat<\/strong> is used for any boat used for recreational purposes (excluding commercial use) of <strong>less than 30 feet<\/strong> \u2014 beyond that, we generally switch to a yacht policy. The category includes runabouts, pontoons, bow riders, cuddy cabins, ski boats, wake boats, fishing boats and small sailboats. The boating season in Quebec typically runs from <strong>May to October<\/strong>, but the policy must cover the entire year (including winter storage).  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Protections-of-Boat-Insurance\"><\/span>Essential Protections of Boat Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Civil liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers damage caused to others (other boat, swimmer, dock). Recommended minimum: <strong>$2 million<\/strong> in Quebec, often required by marinas. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udca5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Collision and breakage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Damage to your boat caused by collision (other boat, dock, rock, sandbar) or mechanical breakdown depending on the option chosen.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd13<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Theft and vandalism<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Theft of the boat or outboard motor, theft of accessories (sound system, tracker, GPS), vandalism in the marina, at home or in storage.<\/p>\n  <\/div>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:0 0 32px;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udedf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Towing on the water<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Engine failure in the middle of Lac Saint-Jean or the river? Covers boating assistance and towing to a marina (often $1,000 to $2,500). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Winter Storage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Coverage from October to April during storage \u2014 personal garage, marina, construction site or commercial storage. Fire, theft, ice protection. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude90<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Transport on trailer<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Boat covered during road transport (road to the chalet, ramp descent). The trailer itself must be insured separately. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Recreational-Boats-Covered\"><\/span>Types of Recreational Boats Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udea4 Runabout \/ Bow rider<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Bayliner, Four Winns, Glastron, Sea Ray, Princecraft. 17 to 25 feet, V-hull. Multi-purpose use (skiing, tubing, family outing). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfdd\ufe0f Pontoon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Legend, Princecraft, Manitou, Bennington. Stable platform ideal for families, fishing, quiet lake cruising. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfc4 Ski \/ Wake boat<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">MasterCraft, Malibu, Nautical, Axis, Supra. Specialized for water skiing, wakeboarding, wakesurfing. High value, adjusted premium.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfd5\ufe0f Cuddy cabin \/ Deck boat<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Mini cabin with sleeping space for short getaways, often 20-28 feet. Offers comfort without going all the way to the yacht. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfa3 Fishing boat<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Lund, Legend, Crestliner, Ranger. Aluminum or fiber, 14 to 22 feet. Fishing equipment coverage (trolls, tracker, electric motor).  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u26f5 Small sailboat<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Catalina, Hunter, C&#038;C under 30 feet. Insured with the same principles as a motorboat \u2014 sails included. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-quote-in-4-steps\"><\/span>How to get your quote in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Prepare the boat info<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Make, model, year, length, engine type (outboard, inboard, sterndrive), power, HIN number (Hull ID) and purchase value.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">3 minutes \u2014 main driver information, <strong>CCEP,<\/strong> frequented bodies of water, summer and winter parking spot, equipment to be declared.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compare Quotes<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Your Assur360 broker analyzes the offers of 9+ specialized insurers (Aviva, Intact, Echelon, The Boat Insurance Agency, etc.) and presents the best options.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Activate coverage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, monthly or annual payment, email certificate of insurance \u2014 ready to launch as soon as the season opens.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Short season = mandatory annual coverage<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Even if you only sail <strong style=\"color:#ffffff;\">5 to 6 months a year in Quebec<\/strong>, your policy must be annual \u2014 to cover the boat during winter storage (fire, theft, freezing, ice damage). Some insurers offer a reduced premium for a shorter declared season. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-rates-for-2026-by-type\"><\/span>Indicative rates for 2026 by type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Type of boat<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Length \/ Value<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Estimated annual premium*<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Aluminum<\/td>\n Fishing Boat<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">14-18 ft \/ $<\/td>\n8,000-18,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$225 &#8211; $375<\/td>                \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        Family \n <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Pontoon<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">20-24 ft \/ $<\/td>\n25,000-45,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$325 &#8211; $500<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Runabout \/ bow rider<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">18-24 ft \/ $<\/td>\n25,000-60,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$350 &#8211; $650<\/td>                \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cuddy cabin \/ deck boat<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">22-28 ft \/ $<\/td>\n50,000-110,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$500 &#8211; $900<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Ski \/ Wake boat<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">21-24 ft \/ $<\/td>\n90,000-180,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$700 &#8211; $1,400<\/td>                \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Small sailboat<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">22-28 ft \/ $<\/td>\n25,000-70,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$400 &#8211; $850<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 Indicative Rates \u2014 Driver 25 years +, with PCOC, claim-free, use in QC inland waters. <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal-obligations-in-Quebec\"><\/span>Legal obligations in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">3 obligations to be respected<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\"><strong>1. PCOC<\/strong> for all motorized boat operators regardless of age. <strong>2.<\/strong> Transport Canada registration required if the engine > 7.5 kW (10 hp). <strong>3. Safety equipment<\/strong> on board: PFD (life jacket) approved per person, 15 m buoyant rope, bailer, whistle\/horn, navigation lights if used at night.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">THE SEASON IS APPROACHING<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your boat ready to sail in May 2026<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Submission in 3 minutes. Comparison of 9+ insurers. Specialized boat brokers. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get My Quote<\/a>\n<\/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<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Multi-font grouping<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Combine boat + <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"color:#10c4c7;\">home<\/a> + <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"color:#10c4c7;\">car<\/a>: savings of <strong>10-15%.<\/strong><\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcda<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Advanced Navigation Course<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Beyond the PCOC: Sail Canada, Power Squadron \u2014 <strong>5 to 10%<\/strong> discount depending on insurer.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Higher deductible<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Going from $500 to $1,000 deductible can reduce your premium by <strong>15 to 25 per cent<\/strong>.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Boat-insurance-throughout-Quebec\"><\/span>Boat insurance throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;\">Our Assur360 brokers serve boaters in all regions with bodies of water \u2014 from the lakes of the Laurentians and the Eastern Townships to the shores of the St. Lawrence. We cover <strong>Montreal<\/strong> (Longueuil, \u00cele-Perrot, Lachine marinas), <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Gatineau<\/strong>, <strong>Shawinigan<\/strong>, <strong>Sherbrooke<\/strong>, <strong>L\u00e9vis<\/strong> and <strong>Thetford Mines<\/strong> for remote winter storage of water bodies. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Guides\"><\/span>Related Articles and Guides<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/best-personal-watercraft-insurance-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Personal Watercraft Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Sea-Doo, Yamaha WaveRunner, Kawasaki Jet Ski \u2014 protections in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Yacht insurance 30 feet and more<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Luxury boat, sailboat, cruising area \u2014 custom font.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/motor-insurance-quick-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Motor vehicle (RV) insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Class A, B, C: protect your motorhome in Quebec.<\/p>\n  <\/a>\n  <a href=\"\/assurance-remorque\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Trailer insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Boat trailer \u2014 specific cover during transport.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Quebec-Boat-Insurance\"><\/span>Frequently Asked Questions \u2014 Quebec Boat Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is boat insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, pleasure boat insurance is not mandatory by law in Quebec. However, the <strong>$2 million civil liability<\/strong> is strongly recommended and often required by marinas, yacht clubs and lenders. Without insurance, an accident with a swimmer or another boat can ruin you.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does boat insurance cost in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Premiums range from <strong>$225 to $1,400 per year<\/strong> depending on the type, value and profile: $225-375 for an aluminum fishing boat, $350-650 for a runabout, $700-1,400 for a wake boat. <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\">Get your exact price in 3 minutes<\/a>.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the PCOC mandatory for all motorboats?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Since 2009, all operators of motorized watercraft (regardless of power) must have a <strong>Pleasure Craft Operator Card (PCOC)<\/strong> issued by Transport Canada. Online exam ~$50, card valid for life. Without a PCOC, your insurer may refuse to compensate.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is winter storage covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, in most policies, the boat remains covered year-round \u2014 including winter storage (garage, marina, commercial warehouse) against <strong>fire, theft, vandalism and ice damage<\/strong>. Some insurers require that the location be declared with a precise address. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I pay only for the summer season?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. A boat policy must be <strong>annual<\/strong> in Quebec to cover the boat in winter storage. On the other hand, some insurers adjust the premium according to the declared season (e.g. 5 months of active sailing) and this saving is reflected in the total premium. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does boat insurance cover outboard motor alone?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, the outboard motor is always included in the insured value of the boat. In the event of theft of the engine (very common \u2014 Yamaha, Mercury, Honda) without the hull, you are compensated according to the declared value. Some policies require a specific lock (chain, hydraulic padlock).  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I tow my boat anywhere in Canada?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, most policies cover transportation within Canada and the bordering United States. For the boat: covered during transport on a trailer. For the <strong>trailer<\/strong> itself: it must be insured separately (car endorsement or dedicated policy \u2014 see <a href=\"\/assurance-remorque\/\">trailer insurance<\/a>).  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What to do in the event of a disaster on the water?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">1) Safety first (PFD, 911 if wounded). 2) Document all damage in photos. 3) Police report in case of theft or collision with third parties. 4) Call Assur360 at <a href=\"tel:+18663574451\"><strong>1-866-357-4451<\/strong><\/a> to initiate the claim. More info: <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">What to do in the event of a claim<\/a>.    <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"L'assurance bateau est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, l'assurance bateau de plaisance n'est pas obligatoire par la loi. Cependant, la responsabilit\u00e9 civile de 2 M$ est fortement recommand\u00e9e et souvent exig\u00e9e par les marinas, clubs et pr\u00eateurs.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance bateau au Qu\u00e9bec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Entre 225 $ et 1 400 $ par ann\u00e9e selon le type, la valeur et le profil. 225-375 $ pour un bateau de p\u00eache aluminium, 350-650 $ pour un runabout, 700-1 400 $ pour un wake boat.\"}},{\"@type\":\"Question\",\"name\":\"La CCEP est-elle obligatoire pour tout bateau \u00e0 moteur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Tous les conducteurs d'embarcation \u00e0 moteur doivent d\u00e9tenir la carte de conducteur d'embarcation de plaisance (CCEP) peu importe la puissance ou l'\u00e2ge. Examen en ligne, carte valide \u00e0 vie.\"}},{\"@type\":\"Question\",\"name\":\"L'entreposage hivernal est-il couvert ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la majorit\u00e9 des polices couvrent le bateau toute l'ann\u00e9e incluant l'entreposage hivernal contre le feu, le vol, le vandalisme et les dommages de glace. Le lieu doit parfois \u00eatre d\u00e9clar\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je payer seulement pour la saison d'\u00e9t\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Une police bateau doit \u00eatre annuelle pour couvrir le bateau en entreposage hivernal. Certains assureurs ajustent la prime selon la saison d\u00e9clar\u00e9e de navigation.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance bateau couvre-t-elle le moteur hors-bord seul ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, le moteur hors-bord est inclus dans la valeur assur\u00e9e. En cas de vol du moteur sans la coque, vous \u00eates indemnis\u00e9. Certaines polices exigent un antivol.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je remorquer mon bateau partout au Canada ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la majorit\u00e9 des polices couvrent le transport au Canada et aux \u00c9tats-Unis. Le bateau est couvert pendant le transport mais la remorque doit \u00eatre assur\u00e9e s\u00e9par\u00e9ment.\"}},{\"@type\":\"Question\",\"name\":\"Que faire en cas de sinistre sur l'eau ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00e9curit\u00e9 d'abord (VFI, 911), photos des dommages, rapport de police si vol ou tiers, puis appel \u00e0 Assur360 au 1 866 357-4451 pour amorcer la r\u00e9clamation.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360 for your boat?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in QC<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> broker (9+ insurers)<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Bilingual service FR\/EN<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">The season is coming \u2014 protect your boat<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Submission in 3 minutes. Comparison of 9+ insurers. Specialized AMF brokers.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\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\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Bateau de plaisance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-bateau-de-plaisance\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IN BRIEF Pleasure boat insurance Pleasure boats (open, pontoon, cabin cruiser, sailboat) in Quebec need hull coverage (collision\/theft\/fire), equipment (outboard motor, electronics), [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45371,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Pleasure Boat Insurance Quebec 2026 | Starting at $225\/year","_seopress_titles_desc":"Recreational boat insurance Quebec 2026: runabout, pontoon, ski boat, fishing. Compare 30+ insurers. Free quote in 3 minutes from $225\/year.  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