Boat Insurance in Canada
Discover the joy of boating alongside your friends and family, as you travel Canada’s renowned bodies of water. Experience the serenity of the open water as you uncover remote islands, secluded beaches, and untouched nature reserves. Ensure that your journey is protected every step of the way by making boat insurance an integral part of your boating adventure. Trust RecProtect to provide comprehensive coverage and exceptional customer service to safeguard your vessel, and provide you with peace of mind while on the water.
The Best Boat Insurance Broker in Canada
RecProtect is a reputable insurance broker specializing in recreation insurance for trailers and boats across Ontario, Alberta, British Columbia, Saskatchewan and Manitoba. We are committed on delivering transparent and comprehensive information about our policies and a streamlined claim process. With RecProtect, you can expect personalized insurance coverage tailored to your specific boat type, providing the necessary protection while eliminating unnecessary expenses. Our mission is to simplify recreational coverage, and our innovative approach allows us to offer real-time quotes, providing you with a customized estimate in less than a minute.
Get a QuoteWhy Choose RecProtect Insurance for Your Boat
Do you need boat insurance in Ontario or across Canada? Choosing an insurance broker should be a well-considered decision, and RecProtect emerges as the optimal choice for several compelling reasons:
- Having extensive expertise in the recreational insurance industry, we specialize in providing tailored coverage that meets your unique requirements.
- With a commitment to staying ahead in the competition and combined with our steadfast dedication to competitive pricing, we guarantee that you will get an exceptional value for your watercraft investment.
- Our honesty and dependability form the bedrock of our business as we aim to establish long-lasting relationships built on trustworthiness.
- By offering a diverse range of insurance options, we deliver customized and flexible coverage to suit the specific conditions of your boat.
- We have a dedicated customer service team that is readily available to provide exceptional support at every step of the process, whether it’s for helping you find the right coverage or processing a claim.
- Additionally, our user-friendly online quote system makes obtaining a quote effortless and convenient.
When it comes to selecting a boat insurance broker, RecProtect is the undeniable choice for exceptional service, unmatched expertise, and bringing you peace of mind. We are your trusted boat insurance brokers in Ontario, Alberta, BC, Saskatchewan, and Manitoba.
Comprehensive Boat Insurance in Canada
Collision Coverage
- Covers damages from collisions with other boats
- Provides coverage for damages caused by collisions with docks and buoys
- Includes insurance for damages resulting from collisions with other object
Comprehensive Coverage
- Provides boat coverage for theft of your boat
- Protects your boat against intentional vandalism
- Insurance for damage caused by extreme weather events
Liability Coverage
- Coverage for injuries caused to others while operating your boat
- Coverage for property damage caused to others while operating your boat
- Pays for medical expenses, lost wages, and other damages
Loss of Use Coverage
- Covers the cost of renting a temporary replacement boat
- Coverage for alternative transportation expenses
- Reimburses you for additional expense including accommodations and meals
Medical Payments
- Covers the medical expenses resulting from bodily injury caused while operating the boat
- Coverage for expenses not covered by other health plans or medical insurance
- Ambulance transportation is included in the cost
Personal Effects/Equipment Coverage
- Coverage for personal items on your boat
- Protection for fishing gear, electronics, and equipment
- The maximum coverage per item is $500
Salvage Coverage
- Coverage for boat removal expenses
- Potential coverage for boat repairs after salvage
- Potential coverage for cleanup and restoration after salvage
Emergency Towing and Assistance
- Covers the cost for emergency towing your boat
- Pays for fuel and delivery
- Roadside assistance services
Boat Insurance Coverage Across Provinces
As Canadians, we have access to all sorts of different bodies of water. From the Great Lakes to the unlimited smaller bodies of water, these provinces provide plenty of opportunities for adventure, relaxation, and entertainment on the water. It’s also an ideal opportunity to ensure that we have the right insurance for our boat before heading out on our boating excursions to protect our watercraft from dangers that could happen when navigating unfamiliar waters, unpredictable weather, or unforeseen accidents. At Recprotect, we understand the importance of safeguarding you and your boat, and offer comprehensive coverage in these provinces:
- Ontario
- Alberta
- British Columbia
- Saskatchewan
- Manitoba
Frequently Asked Questions about Canadian Boat Insurance
If you own a recreational boat or personal watercraft in Canada, you are not legally obligated to have boat insurance. While there is no specific legislation that enforces insurance for recreational boating, it is still strongly recommended to get insurance for your boat to protect you from any potential financial losses and liabilities you might encounter.
Depending on the boat you own and the type of boating equipment you have, most insurance costs for a recreational boat range from $300 to $500 annually.
Having someone else drive your boat is allowed as long as they meet the following requirements:
- They must be at least 20 years old
- Have Pleasure Craft Operator Card
- Have no claims within 3 years
- Have 3 years of boating experience
If you are planning to take you boat across the border you will only be covered if your boat is in fresh water and above the 40th parallel or 40 degrees north of the Earth’s equator.
The current recreational boats and watercraft that we provide coverage for include:
- Bass Boats
- Bowrider Boats
- Cabin Cruiser Boats
- Deck Boats
- Fishing Boats
- Pontoon Boats
- Runabout Boats
- Ski Boats
- Wake Board Boats
- Personal Watercraft (PWC)
- Jet Skis and Sea-Doos
In the event of a collision or unfortunate accident, the first thing you should do is make sure that you and everyone involved is safe. Next, try to collect as much details as possible including taking pictures and gathering contact information from all parties involve. Afterwards, contact RecProtect by visiting our claims pagehere.
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Boat insurance quotes in Ontario, Alberta, British Columbia, Saskatchewan, and Manitoba.
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