Marine Insurance covers physical damage to your boat such as fire, theft, vandalism and third-party liability.

• Your insurance coverage depends on vessel type, watercraft length, size and type of motor, usage and boat storage.
• Marine insurance works on an application basis — it’s not automatic. We’ll consider your boating experience and watercraft of choice, claims history and whether you’ve taken courses among other important aspects.
• Boats are typically insured to the price you paid. If you know your watercraft is worth more than what you paid, a third-party will provide that value to our Western team by way of a valuation report, appraisal or professional marine survey.

• For your insurance, it’s vital that, as an owner, you continue boat maintenance and upkeep.
• If you’re wishing to operate a pleasure craft with an engine of 9.9 horsepower or more, then you must carry a Pleasure Craft Operators Card (PCOC). The test can be completed online.
• Customers are advised to attach boat photographs, no matter the watercraft, to their file.