sailboat insurance ontario

Marine insurance specialists for over 70 years. Exclusive broker for Sail Canada.

Gallagher Skippers’ Plan Advantage

The most comprehensive boat insurance coverage available for all types of boats. Our licensed insurance professionals act as your personal advisor providing expert advice and customized boat insurance coverage for your personal needs.

We don’t sell you boat insurance, we deliver peace of mind insurance solutions for boaters.

We share your passion.

Protecting Canadian lifestyle on the water for over 70 years whether you own a:

• Fishing Boat

Northstar Marine Insurance

Before you buy, ask an Expert.

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About  Northstar  Marine Insurance

Boat Insurance Options

About Canada’s Northstar Marine Insurance

We provide boat insurance in ontario, canada.

Northstar Insurance  provides boat insurance in Ontario, Canada. We are your Ontario marine insurance specialists! Northstar Marine Insurance is a different kind of brokerage, designed with your busy lifestyle in mind. Our mandate is to provide great boat insurance products catered to meet your individual needs. We can provide you with a quick, easy and understandable boat insurance quote.

We are a proud member of Ontario Marine Operator’s Association/Boating Ontario, National Marine Manufacturer’s Association, Registered Insurance Brokers of Ontario, Insurance Brokers Association of Ontario.

Northstar Insurance is open 7 days a week during the boating season – now that’s an insurance provider that understands boaters!

Please  click here  to find out more about Northstar and what we can do for you.

Boat Insurance Claim Problems Answered – What do I do when I have a claim?

Claims can happen – that’s why you’ve purchased marine insurance. When something goes wrong our goal at Northstar Insurance is to ensure that every claim is settled quickly and fairly, getting you back on the water as soon as possible. Click here for a guideline outlining what you need to do if you have a  boat insurance claim in Ontario, Canada.

What Do I Need To Know About Boat Insurance?

Not all  boat insurance policies  are the same and not all boats need the same kind of coverage. But insurance doesn’t have to be complicated Click here  to find out what you need to know to protect yourself and your family. Boat insurance, it’s what we do!

I’m ready to set up my Northstar Boat Insurance Policy

You’ve done your research and you’re ready to set up your Northstar Marine Insurance policy. Please click below to fill in the required information. One of our dedicated Canada marine insurance specialists will be in touch with you within 1 hour to ensure you have the personalized policy you need to enjoy a worry-free season on the water.

Whether you’re fishing, cruising or simply enjoying the water, make sure you’re covered with our small boat insurance.

Contact a Northstar Broker

Testimonials, brendan howe, lorrie plate, richard culver, filiz burmali, do you have a quick question.

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Boat Insurance

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Ontario Boat Insurance – Free Quote Online

Living in Ontario comes with some serious perks. One of the many hidden gems of living in Ontario is all of the wonderful freshwater boating ways. At McDougall Insurance & Financial, we love getting out on the water and we understand how important your watercraft is to you and equally how important a reliable boat liability insurance policy is for your protection against unforeseen liabilities.

Our Boating Insurance Experience

McDougall Insurance, as a longstanding Ontario Insurance brokerage, has years of experience offering insurance for boats of all types and sizes; from cruisers and pontoons, to fishing boats, sail boats and personal watercrafts (jet skis or seadoos). We pride ourselves on having the best trained and most knowledgeable Ontario boat insurance brokers that will work with you to develop a concrete and personalized boat liability insurance coverage plan that will protect you and your boat the right way.

Our Boaters Insurance Coverage

When looking for a boat insurance quote it is important to keep in mind that there are different factors that may affect the rating.

Boat Insurance rates are usually dependent on the boat’s size and horsepower, experience of the operator and navigational range. Boat insurance policies compensate for losses caused by fire, weather, theft and accidents. Coverage can also include passenger liability, equipment, trailers and water-skiing liability.

Our Watercraft Insurance Promise

McDougall Insurance is committed to leveraging our relationships with the plethora of insurance providers available to find you the best watercraft insurance coverage for the most affordable price. We hold high standards for providing the best service for you and your insurance needs and so it is our commitment to you to always have staff members only a phone call away in case of a boating accident or claim. We handle all of the worry so you can get back to relaxing and enjoying the water.

Remember, a life jacket isn’t the only thing you need to think of for protection while you’re out on the water, so contact McDougall Insurance and allow us to give you the peace of mind on the water you deserve. You can request a free insurance quote online.

Additional Boat Insurance Coverage

Emergency towing.

One aspect of our boat insurance policy that can come in very handy is the emergency towing endorsement. If you have a mechanical breakdown and are stuck out on the water you can use your insurance to tow you back to shore. A tow will be organized for you and you can submit your receipt and the bill will be paid with no claim on your record.

Fishing Equipment

Fishing has come along way over the past few years and now experienced anglers have some pretty heavy duty equipment. From expensive rods and tackle, to fish finders and cameras it can be quite expensive. You want to ensure that you have enough equipment coverage in place to replace it all should a claim arise.

Water Sports Equipment

Water sports equipment has also come a long way. From skis to wake boards to even wake surf boards the gear and equipment you use can be quite costly. If you have equipment that is expensive you should let your broker know so we can be sure to include it on your policy if the standard amount of equipment coverage is not enough!

Boat Trailer

Towing your boat to your own house or the nearest boat launch is something most of us with boats do quite frequently in the summer and you need to ensure you are covered. Most auto insurance policies will extend liability coverage to the trailer while it is in tow. This does not necessarily mean that physical damage to the trailer will be covered. You need to include your trailer on your boat insurance policy to ensure you receive the coverage. This will also cover the trailer while it is stored.

Boat Insurance FAQ’s

No, boat insurance is not mandatory in Ontario. However, there are certain cases where you are required to carry boat insurance. For example if you moor your boat in a marina you may need to carry a certain amount of boat liability insurance. If you are financing a boat you will be required by the bank to carry insurance until the loan is completed.

Great question! There are two things to consider when talking about towing your boat on a trailer. Your marine insurance policy will cover physical damage to the boat while it’s on your trailer. For instance, if you are towing your watercraft and someone rear-ends you, damaging the watercraft, the marine policy will cover the damages. If you are towing your boat and you side swipe someone with the trailer, causing damage to a third party your auto policy will respond.

There are two items you need to understand in order to know you have your boat registered properly. Your Pleasure Craft License is not your boaters card but is actually the identification numbers that need to be displayed on your boat. They are similar to a VIN on an automobile. A vessel registration is the same as a car ownership. The vessel registration provides proof of ownership. For more information on how to register or transfer ownership of your watercraft visit: Transport Canada

Areas We Serve

• Barry’s Bay
• Carleton Place
• Parry Sound
• Penetanguishene
• Peterborough

What Our Customers Are Saying

Karen Heuer

I have been a customer for over 20 years. The service has been excellent and I have been very well taken care of!

Roberta Riddell

Service is exceptional. Always there to help when changing cars. Let me know about changes on upcoming policies and let me know if the price is going up or down. This tells me that they have reviewed the policy. They check rates with other companies and advise me. Have also treated my referrals with the same awesomeness.

McDougall is an excellent brokerage! They are very knowledgeable when it comes to insurance, and they also are very involved in the community which is nice to see!

Theresa Leilich

I had a very seemless transition from my old insurance company to McDougall thanks to Mike Cunha

Todd Carrol

It’s not like calling an insurance company, almost like calling someone you’ve known for along time.My wife and I have always been taking care of the way we expect too be there. I wouldn’t hesitate in recommending McDougall to anyone

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Ontario marine and boat insurance

Protect your yacht, sailboat or other watercraft against injuries, damage or theft with marine insurance designed for your needs.

Call now 1-800-731-2228

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Our customers love us

We have a 4.8 star Google rating!

We have insurance for all kinds of boats

• Fishing or sail boats
• Pontoon boats
• Cabin cruisers

How much is boat insurance in Ontario?

Rates range from around $320 a year for a boat worth $20,000 to approximately $1,500 for a boat worth $100,000 or more . There are a number of things that influence rates like the size of your boat and motor, the value of your boat, where you use and store it, and how far you travel with it. No matter what kind of boat you have, we’ll get you great coverage. As a trusted brokerage for over 70 of Canada’s best insurance companies, we have access to some of the best boat insurance coverages and rates around.

What are the license requirements for operating a boat in Ontario

To drive any boat with a motor, you need to have a Pleasure Craft Operator Card (PCOC). The PCOC test costs about $50 and can be taken online. Once you’ve received your PCOC, it’s valid for life and does not need to be renewed. You’re required to have your PCOC with you at all times while operating a watercraft in Ontario.

What does boat and watercraft insurance cover in Ontario?

Most standard boat and watercraft policies cover the following:

Theft of the watercraft

Damage from impact or collision, liability for injuries that occur on the boat, the cost of a rental boat if yours is damaged, emergency towing costs, lifejackets, water skis, fishing equipment and other personal belongings that are kept on the boat, what is not covered by boat and watercraft insurance in ontario.

Most standard boat and watercraft policies exclude the following:

Taking trips beyond Canada and the U.S.

Costs related to regular boat maintenance, damage due to regular wear-and-tear, damage due to improper winter care.

Frequently asked questions about boat insurance:

Is boat insurance required in ontario.

No, you’re not currently required to have insurance for your boat or watercraft in Ontario.

Do I need to be a certain age to get boat insurance?

Only the person who owns or leases the boat can get insurance on it, but coverage can extend to other drivers with the owners permission if they have the required permits. That said, you need to be at least 12 years old to operate a boat with 10-40 hp and at least 16 to operate a boat over 40 hp in Ontario. Ask your broker whether your policy has additional age and experience requirements for drivers.

Do I need boat insurance in the winter?

Yes. Even if your boat is stored for the winter, it’s still at risk for damage related to fire, vandalism, extreme weather and the possible negligence of the storage facility. It’s not common, but it could also be stolen. Cancelling in the winter won’t save you any money anyway, because insurance companies charge you the majority of your premium for the summer months.

How much is the deductible on boat insurance?

Deductibles can vary and often depend on the value of the boat. Deductibles range from $500 to $5,000, or in some cases are a percentage of the boat’s value (1 to 5%).

Why choose Mitch?

As a brokerage for over 70 of Canada’s best insurance companies, we have every kind of insurance you need, at some of the best prices around to boot. You’ll never have to look around to compare coverage and rates again! Want to learn more about Mitch? Check it out!

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Contact Info

Head Office Mitch Insurance Brokers

1-800-731-2228 (905) 579-9701 [email protected]  

Toronto Mitch Insurance Brokers

1-888-401-4697 (289) 593-0275 [email protected]

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Ontario Boat Insurance

Your boat is your prized possession

Ontario Office

1-613-736-7678

2435 Holly Lane, Suite 200 Ottawa, ON K1V 7P2

Hours of operation: Monday to Friday 8:30 AM to 7:30 PM ET Saturday 12:00 noon to 6:00 PM ET (April 1 – Sept 30)

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Your boat is your prized possession, and keeping it safe means finding the right insurance coverage so you can continue to enjoy it without limitations. The best way to secure your boat is to insure it from certain risks such as damage, fire, theft and collision. At Portside Insurance, we can assist you with finding the right boat insurance policy in Ontario that will fit your lifestyle and provide the protection that’s needed when using or storing your boat.

Coverage for All Types of Boats

Figuring out what you need isn’t always easy. The type and amount of Ontario boat insurance needed will depend on the size and type of boat you have and how often you use it. Then you need to sift through all the insurance companies to find one that suits your needs. This can be a challenge as each insurance company has different coverage limits, rates, terms and deductibles, and not all will cover certain vessel types and classes. That’s why it pays to use a team of insurance brokers that will help you make an informed decision on how to best insure your vessel. Whether you own a fishing boat, sailboat, pontoon or luxury yacht, we’ll find you the right amount of coverage to protect your investment and liability.

Ontario Boat Insurance with Absolute Protection

The boat itself is not the only thing you need to protect. We’ll help you understand if you need other coverage options for risks such as theft, loss of personal effects on the boat or emergency towing if your boat breaks down.

Add-On Policies, Bundles and More

We can help you save by finding an insurance bundle or experienced boater discounts at leading insurance companies. And when the standard Ontario boat insurance policy doesn’t suit your needs, we’ll help you get additional coverage options at the best prices, including:

• Additional liability coverage
• Loss of use coverage for the cost of a replacement boat or vehicle
• Additional personal effects coverage
• Upgraded replacement cost
• Fishing equipment and supplies coverage
• Emergency expense reimbursements

Looking for Ontario boat insurance? At Portside Insurance, we work with the top insurance companies to provide custom coverage to protect you and your family when you’re out on the water. Contact us today to learn more!

Find out what Portside has to offer!

• Flood & Sewage Backup
• High Value Home
• Commercial Fleet
• Commercial General Liability
• Not-For-Profit
• Commercial Property
• Entertainment Insurance

Marine & Boat Insurance in Ontario

Find the right coverage at a competitive price.

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Let Us Help You Find Boat Insurance in Ontario That’s Right For You

Small or family boat.

Get peace of mind this summer with Boat Owners’ Insurance in Durham. For many residents across Durham Region including Ajax, Pickering, Oshawa, Whitby and surrounding area the warm weather, long days and bright evenings are the ideal time to enjoy on the water. Whether you are on Lake Ontario or in the heart of Cottage Country it’s important to properly insure your watercraft for damage, in addition to liability insurance in the event of an accident. Cruise, motor or sail worry-free, knowing you have the coverage you need for your boat with customized solutions that fit your needs and your budget.

Your McCAM broker can compare coverage options from multiple insurers to give you the best coverage at the most reasonable cost. Boat insurance in Ontario is available for all types of watercraft including Sailboats, Cruisers, Runabouts, Inboards, Outboards, Pontoon boats, Jet Skis and more.

The one feature common to any sailboat is that it is powered either fully or partially by wind. We provide coverages for a wide range of sailboat sizes and configurations. When you work with an experienced McCAM Insurance broker we you put together a customized policy for boat insurance in Ontario that covers your unique needs.

Crafting a Yacht or Luxury watercraft insurance policy is different than a normal marine policy. There is no “one size fits all” solution to getting you the coverage you need at the best possible price. With our experience in luxury watercraft, we understand the special needs of these watercraft and can create custom tailored policies that cover your investment, in and out of the water.

Classic and Antique Boat

Classic and Antique boats are literally history on the water. Protect your investment in older boats with customized boat insurance in Ontario that is custom tailored for the needs of these types of boats. Often extensively restored and one of a kind, antique boats can have very special coverage requirements, McCAM Insurance understands these needs and will work with you to provide a customized policy for your vintage watercraftt.

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FAQs for Marine & Boat Insurance in Ontario

Whether your watercraft is a pontoon or a sailing boat, having boat insurance in Ontario is essential to ensuring your hobby stays afloat – literally. Your boat faces numerous risks while on the water and while docked or even hauled away to storage for the winter. Sometimes, insurance can be confusing. Luckily, McCam’s expert brokers are here to help you navigate your policy for boat insurance. Ontario boatowners need not fear – we have answers to all your frequently asked questions.

How much does boat insurance in Ontario cost?

Next to the price of your boat, the amount that boat insurance in Ontario will cost you is negligible. Your insurance provider will take into account the variables that determine your risk, such as the make or model of your boat, how old it is, where it is located/where you go boating, how often and for what it is used/and so on. On average, your boat insurance in Ontario will cost between $___ and $___.

How can I get the best boat insurance in Ontario?

When you choose to work with McCam, you can get the best boat insurance in Ontario available on the market. Our brokers know boats like nobody else and can find you quotes that match your circumstances while taking into account your budget. We don’t sacrifice coverage and continue to offer you advice throughout so you can always make the best decision possible.

Where can I get a boat insurance quote in Ontario?

How do you get boat insurance in Ontario? An online quote from McCAM comes at no obligation, takes very little time to get, and it’s completely free. Apply online to get your quote today or give us a call and see what we can do for you.

Best-In-Class Coverage

Fast claims settlement, agreed value coverage, emergency towing, your choice of repair centres, personal effects coverage, vermin coverage, watersport liability, theft and vandalism coverage, areas we serve.

We offer marine and boat insurance in Ontario to our friends and neighbours so that they can boat at their leisure without needing to worry about their coverage. Here are the locations we serve:

• Peterborough
• Bowmanville
• Gravenhurst
• Collingwood

Get a free online quote or call for advice

Boat Insurance

Protecting your water adventures.

Whether you're cruising Ontario's lakes and rivers, exploring the Great Lakes, or embarking on any aquatic adventure, we've got you covered with our boat insurance expertise.

Your Boat Insurance Specialists

We understand the importance of safeguarding your watercraft. That's why we offer tailored boat insurance solutions catering to your needs. Our coverage options ensure you can confidently navigate the waters, knowing your investment is secure.

Coverage Highlights

Liability protection.

Boat insurance includes liability coverage, ensuring you're financially protected in case of accidents causing bodily injury or property damage to others. This coverage extends to accidents on the water, such as collisions.

Collision Damage

Covers the cost of repairing or replacing your boat if it's damaged due to a collision with another boat or any other object in the water. You can navigate with peace of mind, whether a minor scrape or a significant collision.

Comprehensive Coverage

Be prepared for unexpected incidents like theft, vandalism, or damage caused by weather events like storms or lightning. Comprehensive coverage ensures that your boat is protected in various non-collision scenarios.

Medical Payments

In the unfortunate event of an accident, boat insurance covers medical expenses. You and your passengers are financially protected, and necessary medical bills are handled.

Uninsured Boaters

While you may be responsible and insured, not every boater is. Our coverage includes protection in situations involving uninsured or underinsured boaters, ensuring you're not left with the financial burden of someone else's negligence.

Types of Watercraft

We cover various watercraft, including sailboats, powerboats, fishing boats, personal watercraft (PWCs) like Jet Skis and Sea-Doos, and even luxury yachts. No matter your vessel of choice, we have the right insurance solution for you.

More About Our Boat Insurance

Our boat insurance is more than just a policy; it's your peace of mind. We offer flexible coverage options, so you can choose what suits your needs best. Our experienced team of brokers is here to guide you through the process, ensuring you have the right coverage at the right price.

Don't let unexpected mishaps steer you off course. Trust PetleyHare to provide you with dependable boat insurance that will keep your aquatic journeys smooth and stress-free.

Common Questions

Have questions about boat insurance? You’re not alone! We’ve heard it all before. That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.

No, boat insurance is not legally required in Ontario. However, protecting yourself in case of accidents, theft, or other unforeseen events is highly recommended.

Accidents on the water can result in significant financial liabilities, making insurance a wise choice to ensure peace of mind while enjoying boating adventures.

Several factors can impact your boat insurance premium. These include:

• Type of Boat : The type of watercraft you own, whether it’s a sailboat, powerboat, personal watercraft (PWC), or another vessel, can influence your premium.
• Boat Value : The value of your boat plays a role in determining your premium. More expensive boats may require higher coverage limits.
• Boating Experience : Your experience as a boater matters. Those with a history of safe boating and no claims may qualify for discounts.
• Coverage Selection : The extent and type of coverage you choose affect your premium. Comprehensive coverage, for example, may cost more than basic liability coverage.

Understanding these factors can help you make informed decisions about your boat insurance coverage.

Yes, many boat insurance policies offer coverage for personal belongings on board. This coverage can help protect items like fishing gear, electronics, and personal items while on the water.

Discuss your specific coverage needs with your insurance broker to ensure you have the required protection.

While boat insurance can provide year-round protection, many boaters opt for seasonal coverage to save on premiums during the off-season when their boats are not in use as frequently.

Seasonal coverage allows you to tailor your insurance to your boating habits, providing cost-effective protection.

Boat trailers can often be covered under your boat insurance policy, but it’s essential to confirm this with your insurance provider. Including your boat trailer in your policy ensures that it’s protected from theft, damage, or accidents while in transit, offering you comprehensive coverage for your boating setup.

Discuss this with your insurance broker to ensure you have the appropriate coverage for your boat and trailer.

More Toy Insurance Insights

Boat Insurance in Ontario

A popular and fun summertime activity is boating, even though in most provinces you only use your boat for a few months out of the year, it is still important to have it insured all year round.

Boating is a popular pastime in Ontario, especially in cottage country with the many lakes and small towns to visit and explore! In Ontario, the waterways alone are made up of 250,000 lakes, rivers, canals and bays, providing boaters with the best freshwater cruising and experience of a lifetime! Ontario has one-fifth of the worlds fresh water at its doorstep, making boating and other water activities incredibly popular, allowing you to get out and experience nature and have fun!

No two boats are alike so make sure you speak with one of our Advisors to get the best advice.  We'll provide you up to 10+ quotes from Canada's top boat insurance providers, getting you the coverage you need, for the best price possible.

Why is boat insurance important?

Boat insurance covers you in the event of a loss or damage to your watercraft. It covers most watercraft with motors, including fishing boats, paddle boats, leisure crafts, even yachts (for you high rollers!). For smaller boats, you may find some limited coverage under your homeowner's policy, so it's best to chat with your Surex Advisor about what you're covered for and what you need to add to your policy when you buy a boat.

Do I need boat insurance in Ontario?

Ontario does not have a law that requires you to carry insurance on your boat or power watercraft. There might be a time when you have no choice but to purchase insurance. However, marinas in Ontario will require proof of boat insurance before they will allow you to use the marina or store your boat on their property so always best to be covered. 

What insurance does a boat need?

The amount of boat insurance you will need depends on a number of factors such as the value of the boat, the motor size, the age and how you use it (speed boat vs a pleasure cruiser). For example, if you bought a new high-performance speed boat, you will need more coverage for bodily injury and property damage liability than you would if you had a pleasure cruiser.

How much is boat insurance per year?

The general rule when it comes to figuring out the average boat insurance prices is that you'll pay about 1.5% of the value of your boat in annual rates. So, to insure a boat worth around $50,000, it would cost you only about $750 per year to have it fully insured. Typically it will cost $200-$500 per year.

What information should I have when getting boat insurance in Ontario?

This is similar to the information you would give out when getting auto insurance, here is the information you would need to provide:

• The length, type and value of your boat
• The condition of the boat and the market value
• How often the boat is used, what it is used for and where you store it
• The waters you take the boat out on and if you ever charter your boat
• The experience, loss and claims history of the owners and/or operators
• Any clubs the owners are members of (Sail Canada, or Canadian Power and Sail Squadrons)

Who has the best boat insurance rates in Ontario?

It's best to shop around and compare, and that's exactly what we do for you at Surex! We work with the top insurance companies in Canada to provide you with the best rates for your situation. We can find the right boat insurance in Ontario for you!

• The Great Lakes
• The 30,000 Islands- Georgian Bay
• The 1000 Islands- St. Lawrence River
• Lake Ontario
• Lake of the Woods
• Lake St. Clair
• Harbour West Marina
• La Salle Park Marina
• Newport Yacht Club

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