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What is Boat Insurance?
Just as a driver needs automobile insurance, a boater needs to have Boat Insurance to cover the boat and liability. Boat Insurance is required for anyone in BC who has their boat moored at a Marina or a Yacht Club or who wants protection against accidents, theft, vandalism and liability.
What does Boat Insurance Cover?
Boat Insurance protects you and your vessel against accidents, theft, vandalism and personal liability. Most boat policies cover physical damage to the hull, sails, machinery, furnishings, and most other equipment that is normally used on board. Other dangers covered are vandalism, malicious mischief and damage which results from collision or sinking.
You are also insured against liability losses. You are covered for damage you may cause to another boat, yacht, personal water craft, sailboat, or dock, and for the bodily injury or death to another person while operating your vessel.
However, your Boat Insurance will not cover you against normal wear and tear, deterioration, or problems with mold, rot, or animal damage.
Under most policies, the trailer that carries your vessel can also be insured against damage or liability.
You may purchase optional coverage’s as well, such as:
Coverage for your personal property
Coverage for your fishing vessel and fishing gear
Coverage against injury to you caused by an uninsured boater
The annual insurance premium will be determined based on the type of boat (power versus sail), its value, and where you use it.
Most insurers will require a Marine Survey every 5 years for boats over 25 feet in length. Click Here for a current list of marine surveyors for Vancouver and surrounding areas.
Why should I get my Boat Insurance with AC&D Insurance?
Whether you currently own a boat, yacht, personal water craft, sailboat or are a prospective buyer, an AC&D Insurance Agent can help you find the right Boat Insurance policy at the right price. AC&D represents over 7 Boat Insurance Companies and we will do our utmost to insure that we meet your needs balancing protection with value. Call us today or Request a Quote.
Other useful links to improve your boating experience/knowledge are:
Canadian Power and Sail Squadrons
Licensing your Pleasurecraft in Canada
Transport Canada Marine