Boat Insurance in BC

Protect your vessel and navigate the waters with confidence with boat insurance in BC. Get an online quote today and explore our comprehensive coverage options.

"Boat sailing in British Columbia fully protected with Boat insurance in BC.

Pleasurecraft Boatowners Insurance

Our boat insurance program offers All Risk, Agreed Value coverage, competitively priced for a broad range of vessels. From runabouts, jet boats, personal watercraft, tournament ski boats, houseboats, cruisers, sailboats, and wooden hulls to high-performance vessels, we ensure you receive peace of mind when it comes to protecting your vessel. We appreciate that your boat is more than a pleasure craft, it’s an expensive investment with its own set of unique risks. Our comprehensive Boat insurance for pleasure use takes the worry out of boating, allowing you to leave the yacht club sooner, and providing you more time to enjoy your experience on the water.

Friends doing water sports on a boat in BC

Product Features - What Coverage Is Included?

Our program is designed for all boat owners and features clear and broad coverages with limited exclusions to provide you with the most comprehensive protection possible. In fact, the program offers protection and indemnity up to $10 Million, which means that in addition to paying for damage you may cause to other boats and properties, it provides coverage for legal costs, wreck removal, salvage fees, and pollution damage caused by the boat.

We provide coverage as long as the insured property is operated within Canada and the Continental USA, limited to a 1500-mile radius of your address provided and with respect to:

- Coastal waters of British Columbia, not North of Skagway, Alaska (60 degrees North Latitude), and not South of Westport, Washington (47 degrees North Latitude), in any event not exceeding 200 miles offshore, OR

- Coastal waters of Eastern Canada, not North of Henley Harbour, Labrador (52 degrees North Latitude), and not South of Gloucester, Massachusetts (42.5 degrees North Latitude), in any event not exceeding 200 miles offshore.

All Risks – Hull & Machinery
Personal Effects Coverage (replacement cost basis)
Newly acquired vessel coverage
No sub-limits on wakeboarding, water skiing, and tubing
Sudden & Accidental Pollution (no sub-limit)
Additional Expenses including: Rental Expense, Extra Expenses, Emergency Towing, and Fire Department Charges
Agreed Value (current market value basis) which means the amount of coverage is agreed to at the beginning of the policy, and that amount will be paid out in the event of a total loss

Where Can I Buy Boat Insurance?

You can get a boat insurance quote or buy your Pleasurecraft policy directly online in about 5 minutes. In order to do so, we require the following information:

- Serial numbers for Vessel & Outboard Motor (if applicable)
- Serial numbers for all vessels and all other items over $2,500 (including tenders, auxiliary motors, boat lifts).

You can also purchase boat insurance in all of our 90 offices located across B.C. Each of our offices can assist you in the event of an insurance claim, including in the event that your vessel is affected by the actions of an uninsured boater.

Get an Online Boat Insurance Quote

Quickly, Effortlessly,online

How Much Does Boat Insurance Cost in BC?

The cost of boat insurance can vary greatly depending on a number of factors, such as the type and size of the boat, the location where it is primarily used, and the level of coverage desired. Other factors that can affect the cost of boat insurance include the boat's age, value, and safety features, as well as the owner's boating experience and insurance history. To get an accurate estimate of the cost of boat insurance for your specific needs, it is best to speak with an insurance agent who specializes in marine insurance.

Customer Testimonials

At InsureBC, we value the relationships we build with our clients. Don't just take our word for it – see what they have to say about their experiences working with our team of expert insurance brokers.

Frequently asked Questions

What is boat insurance in BC?

Boat insurance is a type of insurance that provides coverage for your boat, as well as any liability you may have while operating it. It can protect you financially in case of accidents, theft, or other unforeseen events.

Do I need boat insurance in BC?

In most cases, yes. Boat insurance is not legally required in BC, but it is highly recommended. Without insurance, you could be held personally liable for any damages or injuries you cause while operating your boat. Additionally, many marinas and yacht clubs require proof of insurance before allowing you to dock or store your boat.

Can I get a boat insurance quote online in BC?

Yes! InsureBC offers hassle-free online boat insurance quotes for BC residents. Simply visit our website and fill out the online form to get started.

What factors affect the cost of boat insurance in BC?

The cost of boat insurance can vary depending on several factors, such as the type and size of your boat, its age and condition, where you operate it, and your driving record. Other factors may also come into play, such as whether you have safety equipment on board, such as life jackets and fire extinguishers.

What should I look for when choosing a boat insurance policy in BC?

When choosing a boat insurance policy in BC, it's important to consider the coverage options, deductibles, and premiums. You should also research the insurer's reputation for customer service and claims handling.

What does boat insurance EXCLUDE?

Our product excludes the following: Applicants under the age of 25 years old. Vessel aged 15 years and older. The hull of the vessel that is fiberglass, over wood, wood or Ferro-cement. Vessels with a propane fridge. Vessels with a maximum speed exceeding 50 mph. Vessels that are not checked on a regular basis.

Looking to File a Claim?

Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.