{"id":67337,"date":"2026-05-21T14:39:55","date_gmt":"2026-05-21T18:39:55","guid":{"rendered":"https:\/\/www.assur360.ca\/boat-insurance-6\/boat-loss-in-quebec-what-to-do-in-the-event-of-an-accident-or-theft\/"},"modified":"2026-06-26T03:01:48","modified_gmt":"2026-06-26T07:01:48","slug":"boat-loss-in-quebec-what-to-do-in-the-event-of-an-accident-or-theft","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/boat-loss-in-quebec-what-to-do-in-the-event-of-an-accident-or-theft\/","title":{"rendered":"Boat Loss in Quebec \u2014 What to Do in the Event of an Accident or Theft"},"content":{"rendered":"<style>#ez-toc-container{display:none!important}<\/style><div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 30px;border-radius:14px;margin:0 0 40px;text-align:center;color:#fff;\">\n<span style=\"display:inline-block;background:rgba(16,196,199,0.18);color:#10c4c7;padding:6px 18px;border-radius:20px;font-size:13px;font-weight:600;letter-spacing:1px;margin-bottom:18px;\">CLAIM GUIDE<\/span>\n<h1 style=\"color:#fff;font-size:clamp(28px,4vw,42px);font-weight:800;line-height:1.15;margin:0 0 18px;\"><span class=\"ez-toc-section\" id=\"Boat-accident-what-to-do\"><\/span>Boat accident: what to do?<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#94a3b8;font-size:18px;max-width:720px;margin:0 auto 28px;line-height:1.55;\">Collision, sinking, theft, damage: step-by-step procedure to manage a marine claim in Quebec and maximize your compensation.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;\">Boat insurance assistance<\/a>\n<\/div><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">A marine disaster requires a quick and methodical response. Here are the best practices to protect your rights and compensation with your partner firm. <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"1-Secure-people\"><\/span>1. Secure people<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Human lives first. If necessary, contact the Coast Guard (VHF channel 16) or 911. Stabilizing injuries, life jackets for all.  <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"2-Document-immediately\"><\/span>2. Document immediately<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Photos from all angles (before the conditions changed), videos, GPS coordinates. Note the time, weather conditions, indicators, identity of the other boats involved. <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"3-Exchange-information\"><\/span>3. Exchange information<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">With the other driver (in the event of a collision): name, address, boat registration, PCOC, name of the insurer and policy number. DO NOT accept liability. <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"4-Report-to-the-authorities-if-necessary\"><\/span>4. Report to the authorities if necessary<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Mandatory if: injury, death, damage &gt; $5,000, pollution, lost boat. Call Transport Canada (TSB). For thefts: SQ or local police.  <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"5-Contact-your-broker-quickly\"><\/span>5. Contact your broker quickly<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Ideally within 24 to 48 hours. The shorter the deadline, the more credible the claim. Keep all documents (photos, police reports, written testimonies).  <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"6-Have-the-damage-assessed\"><\/span>6. Have the damage assessed<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">A marine surveyor mandated by the insurer will evaluate. Ask to be present. If you disagree, you are entitled to a second opinion (sometimes at your own expense).  <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"7-Follow-up-on-the-claim\"><\/span>7. Follow-up on the claim<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Allow 4 to 12 weeks for a simple claim, 3 to 12 months for complex cases (unresolved theft, liability dispute). Follow up with your broker on a regular basis. <\/p><div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:6px;padding:24px;margin:32px 0;\">\n<h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;font-weight:700;\">Why trust Assur360?<\/h3>\n<ul style=\"margin:0;padding-left:20px;color:#475569;font-size:15px;line-height:1.8;\">\n<li>\u2705 Independent networking platform, partner of AMF-certified firms<\/li>\n<li>\u2705 More than 100,000 insurance quotes made in Quebec since 2001<\/li>\n<li>\u2705 Brokers of partner firms affiliated with the Chamber of Insurance<\/li>\n<li>\u2705 Free, no-obligation service \u2014 insurer pays broker<\/li>\n<\/ul>\n<\/div><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Does my insurance cover sea towing?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Often an option, sometimes included. Check your contract. Otherwise, without towing insurance, these costs can exceed $500 to $2,000.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">What if the other boat flees after a collision?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Document everything (registration, witnesses). Report to the Coast Guard + police. Your liability coverage may apply (with some limitations).  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">My boat is stolen: what should I do?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">1) Report to the police immediately (SQ or municipal), 2) get a report, 3) call your partner firm. A GPS tracker speeds up recovery.   <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Is the deductible deducted for each claim?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Yes, per claim. If there are several separate incidents, several deductibles may apply. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Will I lose my discount without a claim?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Probably yes, especially for a claim where you are at fault. The discount is usually recovered after 3 to 5 years without a new claim. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">How long does it take to be compensated?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Well-documented simple claim: 4 to 8 weeks. Complex: 3 to 12 months. The speed depends on your cooperation (documents provided quickly).  <\/div><\/details><div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:48px 30px;border-radius:14px;margin:40px 0 20px;text-align:center;color:#fff;\">\n<h2 style=\"color:#fff;font-size:26px;font-weight:800;margin:0 0 12px;\"><span class=\"ez-toc-section\" id=\"Need-boat-insurance-in-Quebec\"><\/span>Need boat insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;font-size:16px;margin:0 0 24px;\">Compare 3 partner firms in 3 min. Free service, no obligation.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/assurance-bateau\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 36px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;\">Boat insurance assistance<\/a>\n<\/div><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"alternateName\": \"Assur360 \u2014 Boat claim: what to do?\", \"url\": \"https:\/\/www.assur360.ca\", \"description\": \"Independent platform connecting you with certified AMF partner firms. Quebec\", \"telephone\": \"1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Quebec\"}}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Does my insurance cover sea towing?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Often an option, sometimes included. Check your contract. Otherwise, without towing insurance, these costs can exceed $500 to $2,000.\"}}, {\"@type\": \"Question\", \"name\": \"What if the other boat flees after a collision?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Document everything (registration, witnesses). Report to the Coast Guard + police. Your liability coverage may apply (with some limitations).\"}}, {\"@type\": \"Question\", \"name\": \"My boat is stolen: what should I do?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"1) Report to the police immediately (SQ or municipal), 2) get a report, 3) call your partner firm. A GPS tracker speeds up recovery.\"}}, {\"@type\": \"Question\", \"name\": \"Is the deductible deducted for each claim?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, per claim. If there are several separate incidents, several deductibles may apply.\"}}, {\"@type\": \"Question\", \"name\": \"Will I lose my discount without a claim?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Probably yes, especially for a claim where you are at fault. The discount is usually recovered after 3 to 5 years without a new claim.\"}}, {\"@type\": \"Question\", \"name\": \"How long does it take to be compensated?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Well-documented simple claim: 4 to 8 weeks. Complex: 3 to 12 months. The speed depends on your cooperation (documents provided quickly).\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Boat insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-bateau\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Boat claim: what to do?\", \"item\": \"https:\/\/www.assur360.ca\/sinistre-bateau-quoi-faire\/\"}]}<\/script>","protected":false},"excerpt":{"rendered":"<p>CLAIM GUIDE Boat accident: what to do? 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