{"id":5460,"date":"2026-07-09T18:38:27","date_gmt":"2026-07-09T22:38:27","guid":{"rendered":"https:\/\/www.assuranciagt.com\/personal-insurance\/boats-and-marine-watercraft\/"},"modified":"2026-07-22T15:20:40","modified_gmt":"2026-07-22T19:20:40","slug":"boats-and-marine-watercraft","status":"publish","type":"personal-insurance","link":"https:\/\/www.assuranciagt.com\/en\/personal-insurance\/recreational-vehicles\/boats-and-marine-watercraft\/","title":{"rendered":"Boats and Marine Watercraft"},"content":{"rendered":"\r\n
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Your peace of mind, our protection<\/h2>\r\n
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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.<\/p>\n<\/div><\/div>\r\n\r\n

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Civil Liability<\/h4>\r\n
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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. <\/p>\n<\/div>\r\n <\/div>\r\n \r\n \r\n

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Damage Protection <\/h4>\r\n
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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. <\/p>\n<\/div> <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n

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Protection against collisions, grounding, capsizing, and other covered perils<\/h4>\r\n
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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. <\/p>\n<\/div>\r\n <\/div>\r\n \r\n \r\n

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Protection for original equipment<\/h4>\r\n
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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\u2014such as the engine, navigation instruments, controls, tanks, fixed seats, and other permanent components\u2014can be covered. This protection helps you cover repair or replacement costs so you can enjoy your watercraft. <\/p>\n<\/div> <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n

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Optional coverage<\/h4>\r\n
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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. <\/p>\n<\/div>\r\n <\/div>\r\n \r\n \r\n

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Specific coverage<\/h4>\r\n
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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. <\/p>\n<\/div> <\/div>\r\n \r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <\/div>\r\n <\/section>\r\n\r\n\n\n\r\n

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Your insurance questions for your boat or marine watercraft<\/h2>\r\n \r\n
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Our teams answer your most frequently asked questions to help you better understand the available coverage and choose solutions adapted to your reality.<\/p>\n<\/div> \r\n <\/div>\r\n\r\n

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