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From the dock to the open water, we adapt to your reality
Sail aboard your motorboat, fishing boat, sailboat, personal watercraft, or pontoon with complete peace of mind. At Assurancia Groupe Tardif, our experts ensure that your coverage is tailored to your lifestyle.
Whether you sail on a lake, a river, or at sea, we understand your reality, and our insurance solutions are designed to protect your boat or watercraft so you can fully enjoy every outing.
Civil liability protects you if you unintentionally cause property damage or injury to another person while using your boat or marine watercraft. This coverage is essential for navigating with complete peace of mind.
This coverage protects against damage to your boat or watercraft resulting from an accident, theft, vandalism, fire, or other events covered by your policy. It helps limit the financial consequences of a loss and allows you to quickly return to your activities on the water.
This coverage protects against damage to your boat or watercraft if it collides with another vessel or obstacle, runs aground, capsizes, or is damaged by other covered perils. It helps limit the financial consequences of a loss, allowing you to enjoy your outings on the water with peace of mind.
Your watercraft is made up of several pieces of equipment essential to its operation and your safety on the water. When damaged following a covered loss, original equipment installed by the manufacturer—such as the engine, navigation instruments, controls, tanks, fixed seats, and other permanent components—can be covered. This protection helps you cover repair or replacement costs so you can enjoy your watercraft.
Every watercraft is unique, as is the way it is used. Depending on your needs, several optional endorsements can be added to your policy, including all-risk or named perils coverage, replacement cost, and protection for accessories and equipment. You can also choose a higher civil liability limit ($1M, $2M, $5M, or more) to benefit from increased financial protection in the event of a major claim. These options allow you to tailor your insurance to your reality and enjoy your nautical activities.
The equipment and accessories that come with your watercraft can represent significant value and require tailored protection. Depending on the coverage selected, your insurance can cover an outboard or auxiliary motor, navigation equipment (GPS, sonar, radar), a trailer, a cover, a bimini or cabin, an audio system, fishing gear, an electric anchor, and personal effects carried on board. Coverage can also be offered for nautical assistance, on-water towing, water sports such as water skiing, wakeboarding, or tubing, refloating or wreck removal costs, travel outside of Quebec or Canada, and enhanced civil liability. These endorsements allow you to adapt your coverage to your watercraft and the way you enjoy the water.
Our teams answer your most frequently asked questions to help you better understand the available coverage and choose solutions adapted to your reality.
No, it is not always mandatory in Quebec, but it is highly recommended. If you finance your watercraft or access certain marinas, proof of insurance may be required.
Basic insurance covers damage you may cause to others, including injuries or property damage. Depending on the coverage selected, it can also cover accidents and collisions, theft, vandalism, fire, damage to your watercraft, and nautical equipment and accessories.
It depends on your policy. Most policies cover navigation in Quebec and sometimes elsewhere in Canada or the United States, but it is important to confirm your coverage area.
Yes, but only if your equipment is included in your coverage. Motors, trailers, electronic systems, or accessories can be covered if they are declared in your policy.
Basic coverage protects others, but not always your watercraft. With more comprehensive coverage, you protect your investment and avoid high costs in the event of an accident or loss.
As one of the largest brokerage firms in Quebec, with a team of over 120 brokers across 9 branches, our firm is dedicated to P insurance. We offer a simple, efficient, and transparent approach to our insurance services.
On the other end of the line, reach our specialists who support you by adapting to your reality to offer the best coverage that suits you.
Our experts have access to a vast network of insurers to obtain the insurance product that best meets your reality.
Our professionals shop and compare several quotes for you to save you time and find the most suitable insurance solution.
Our brokers look for the insurance product most suited to your reality, while ensuring you get the best value for your money.
Our team holds several certifications and strictly adheres to industry guidelines, such as the Autorité des marchés financiers (AMF), the Autorité des marchés publics (AMP), and the Registered Insurance Brokers of Ontario (RIBO), ensuring your interests are protected.
Thanks to our presence in the communities and the values that unite us, we understand your reality and remain accessible when you need us.
When the unexpected happens, your broker is by your side. They guide you through every step of the claims process, answer your questions, help you navigate each stage, and ensure your case is handled with the care and attention it deserves.
Here are practical tips, useful tools, and clear explanations to answer your everyday questions.
As an individual, our brokers take the time to offer you coverage tailored to your reality.
