Spending warm summer days on Ontario’s open waters is a luxury many Canadians look forward to each year. Whether you're cruising, fishing, or exploring, having the right boat insurance in place ensures peace of mind before hitting the water.

While boat insurance isn’t mandatory in Ontario, it may be required if your boat is financed or moored at a marina. Even if it’s not required, coverage can protect your investment, passengers, and yourself from unexpected incidents on the water.

Vanguard offers tailored insurance plans for a wide range of watercraft, including sailboats, fishing boats, jet boats, pontoons, jet skis, and more.

Factors That Influence Your Premium

- Boat size, power, and value

- Replacement cost of the vessel

- Boating experience and driving record

- Completion of a Transport Canada boating safety course

- Recent professional inspection of the vessel

- Claims historyLocation and nature of boating routes (low or high risk)

- Onboard safety features (e.g., GPS, fire extinguishers)

- Off-season storage conditions

Coverage Options Available

- Broad Navigational Territory: Covers boating in Canada, the U.S., and even certain Caribbean areas (depending on policy).

- Liability Insurance: Covers damages or injury caused to others or their property while using your boat.

- Watercraft Medical Coverage: Pays for medical expenses if you or a guest is injured onboard or while disembarking.

- Emergency Towing and Loss of Use: Covers towing, emergency repairs, and even the cost of a rental boat while yours is being repaired.

- Accidental Pollution Liability: Covers cleanup costs if harmful fluids are accidentally released into the water.

- Uninsured Watercraft Insurance: Covers injuries and damages if you're involved in an accident with an uninsured boater.

At Vanguard, we provide:

- Competitive rates from our trusted network of insurance partners

- Supportive claims assistance from licensed professionals

- Personalized plans based on your vessel type, usage, and lifestyle

Enjoy the open water with confidence. Get started with a boat insurance quote from Vanguard today.