End of the agricultural season
6 min
Information to have on hand
Here is some useful information to have on hand in order to receive your quote quickly.
For all types of insurance
- Your desired policy effective date
- The name of your current insurer, if you are already insured
Your boat
- Year, make, model, and type of watercraft
- Estimated value, including equipment and trailer
- Serial numbers for the boat, motor, motor mount, and trailer
- Registration number and navigation area
Drivers
- Driver’s license number for each driver
- Driving history, including violations and losses on record
Boat insurance tailored to your watercraft and intended uses
Whether you use your boat on a lake, a river, or coastal waters, you deserve to be adequately insured. Boat insurance covers damage to your watercraft, general liability, and unforeseen events related to navigation.
Every type of boat, whether it is a motorboat, sailboat, pontoon, or personal watercraft, has its own unique characteristics. The right coverage accounts for the type of boat, its value, and how you use it.
At La Turquoise, a broker takes the time to analyse your situation and identify the coverage that best suits your needs.
Contact us for a quote
Recommended coverage
Certain types of coverage are essential when you are on the water. Boat insurance includes general liability coverage and may include other coverage depending on your needs.
General liability insurance
General liability coverage protects you against property damage or bodily injury you may cause to others while operating your boat. This coverage applies to the navigation area specified in your contract and may apply in the event of an accident involving another boat or property.
- Damage caused to another boat during a collision
- Injury to a passenger or a person on a dock
- Damage caused to a dock or harbour facilities
Damage to the boat
This coverage can pay for damage to your boat after a covered incident, such as a collision, fire or theft. Depending on the coverage options you choose, it may cover the hull, motor and certain equipment.
- Collision with another vessel or an obstacle
- Fire or explosion
- Theft of the boat or nautical equipment
- Some policies may also provide for a waiver of the deductible in the event of a total loss.
Marine assistance
Boat insurance may offer services to help you in the event of an unexpected incident on the water.
- Emergency towing in the event of a breakdownAssistance in returning the watercraft to the nearest dock
Optional coverage
Certain coverage can be added to your boat insurance depending on how you use your boat. A La Turquoise broker can help you choose the right coverage for your watercraft.
Emergency towing
In the event of a breakdown or mechanical problem while on the water, this coverage may include certain towing costs. This service may include towing your boat to the closest dock.
- Towing after an engine failure
- Assistance in towing the boat to the nearest dock
- Intervention by a marine towing service
Trailer
Your insurance may cover the trailer used to transport your watercraft. This coverage specifically addresses certain damage or losses related to the trailer.
- Theft of the trailer used to transport the boat
Medical expenses
An accident can occur during a trip on the water. This coverage may provide reimbursement for certain medical expenses related to an incident that occurred on your insured boat, up to the amount specified in the insurance contract.
- Medical consultation following an accident on board
- Necessary care for an injured passenger
- Medical expenses related to a boating incident
Courtesy boat
This coverage may help cover certain costs of renting a similar boat for a specified period. This applies when your watercraft requires repairs following a covered loss.
- Renting a boat during repairs
- Temporary replacement of the insured watercraft
Preferred associations and member programs
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
No results found.
Your questions about boat insurance
Do you have questions about boat insurance in Quebec? This section covers the most frequently asked questions. Here you will find clear answers about the coverage options available, the legal requirements that apply, and what affects the cost of your insurance.
No, the law does not require boat owners to have insurance in Quebec. That said, many marinas, ports, lenders, and storage facilities require proof of liability insurance before accepting your boat.
In most cases, no. Some home insurance policies provide minimal coverage for small boats, but they often exclude marine liability, theft, and several types of damage. Separate boat insurance is generally necessary.
Coverage varies depending on the insurance contract and the selected coverage options. It may include the following:
- Damage to the boat, motor, or trailer
- Theft, fire, or sinking
- General liability for property damage or bodily injury caused to others
- Medical expenses resulting from an accident on the water
- Personal belongings carried on board
- Marine assistance or emergency towing
Certain situations are generally excluded from a boat insurance policy.
- Normal wear and tear of the watercraft
- Gradual deterioration of equipment
- Damage caused by ice, cold, or improper winterization
- Manufacturing or design defects
- Damage caused by animals
Coverage applies to a navigation area defined in your contract. Depending on your policy, this area may include the waters of Quebec, other provinces, or certain U.S. waters. Before sailing outside your usual navigation area, check the limits specified in your contract. A La Turquoise broker can confirm whether your destination is covered.
Practical tips for everyday life
See all our tipsEnd of the agricultural season
Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance
Role, benefits and differences from a direct insurer
Career opportunities in property and casualty insurance
Building a meaningful career through real impact
Breaking into property and casualty insurance: the real path
Insurance solutions designed for your everyday life
Because every situation is different, we offer coverage tailored to your specific needs, whether it’s for your personal property, your activities, or your business.
