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WakeWorld Discussion Board » >> Boats, Accessories & Tow Vehicles Archive » Archive through March 18, 2009 » Boat insurance for Canadians « Previous Next »
By craig west (craigw3972) on Wednesday, June 04, 2008 - 8:38 am:    Edit Post Delete Post
anyone have a hot tip as to where to get boat insurance? I am currently paying $750.00/yr for an 2006 X-star.
 
By stuey (stuey) on Wednesday, June 04, 2008 - 9:06 am:    Edit Post Delete Post
Where are you in Canada... its a big place you know.. lol
 
By Trentj6930 (trentj6930) on Wednesday, June 04, 2008 - 9:09 am:    Edit Post Delete Post
$800 a year for a 2007 Malibu VTX
 
By craig west (craigw3972) on Wednesday, June 04, 2008 - 9:30 am:    Edit Post Delete Post
I am in Calgary.
I was checking out another site, and it seems that some Americans pay substantially less than Canucks.
I would assume that I cannot buy insurance for my boat across the border. (ie the broker for is based in Canada)
The thing that bugs me is the underwriter is a US based company

 
By Trentj6930 (trentj6930) on Wednesday, June 04, 2008 - 9:56 am:    Edit Post Delete Post
Craig, who are you through? I am with Beacon.
 
By Kscales (kscales) on Wednesday, June 04, 2008 - 10:22 am:    Edit Post Delete Post
I am paying about $750 for 2008 RZ2

Im in B.C.

I was with Beacon the 1st year, and then switched to ( I will have to look it up)

 
By Ryan D (ogopogo) on Wednesday, June 04, 2008 - 10:24 am:    Edit Post Delete Post
$800 a year for 06 VLX. It is what it is.....
 
By craig west (craigw3972) on Wednesday, June 04, 2008 - 10:28 am:    Edit Post Delete Post
I am with Tom at Rangeland. the underwriter is Premier Marine Insurance.
 
By jason rogoz (phunnel) on Wednesday, June 04, 2008 - 11:14 am:    Edit Post Delete Post
got mine through lakeview insurance in calgary, ~250 for a 96 v210, talk to John Jr or Sr 287-2521
 
By Robert Beckei (rbeckei) on Wednesday, June 04, 2008 - 11:30 am:    Edit Post Delete Post
I live in calgary and I pay $800 a year for a 2006 Calabria pro V 2. If you would like my broker then Email me and I will give you the info. Email in profile
 
By JK (justridin) on Wednesday, June 04, 2008 - 11:33 am:    Edit Post Delete Post
There are two main insurance providers for boats in Canada from what my agent tells me. Beacon Underwriting and Premier Marine. I also found State Farm to be competitive in the past but they required you to have your house with them as well (or thats what my agent said). The rates are based largely on value of the boat so a 96 v210 will be much less than an 06 VLX.

You would be surprised at the number of uninsured boats on the water as it is not a legal requirement to have boat insurance in Canada. I had a two-day-old bu get run right over while towing behind a houseboat once. The guy had no insurance so my company covered it and sued him.

 
By HeHateMe (hamkj) on Wednesday, June 04, 2008 - 12:14 pm:    Edit Post Delete Post
I am currently with Beacon under a group plan through my waterski association... but I have used Premier too...

I called Dolphin in Vancouver... they have a website you can apply online.. they were another $30 cheaper than my so called group plan at Beacon...

 
By craig west (craigw3972) on Wednesday, June 04, 2008 - 12:31 pm:    Edit Post Delete Post
thanks for all the info guys.
2 day old Bu getting run over - that would suck...very badly! gotta b on the twochop.

State farm requires you to have an immaculately clean record (Home and Auto). if you do then the rates are fantastic.

I tried last year thru the waterski Assoc, but after you included the assoc. fees the insurance rate was higher.

I guess 750 to 800 sounds like the going rate. I guess I was just fishing for a better deal.

My father has a 30yr old SeaRay that has never been insured... um $800 x 30yrs = 1/3 new boat

 
By gcf (zaner1) on Wednesday, June 04, 2008 - 1:19 pm:    Edit Post Delete Post
$528 for '06 X-45.
One Beacon Insurance

 
By R. Fichtner (duramaxer) on Wednesday, June 04, 2008 - 2:54 pm:    Edit Post Delete Post
I am with premier marine and I just paid $695 for my 08 x2.
 
By Dennis (islander033) on Wednesday, June 04, 2008 - 2:59 pm:    Edit Post Delete Post
"The rates are based largely on value of the boat so a 96 v210 will be much less than an 06 VLX."

This is true. If you want cheaper insurance premiums then you can tell them how much you want to insure your boat for. example: $50,000 boat= $800/year, if you only insure it for $25,000 it should be +/-$400/year. But by doing this your maximum claim would be $25,000 if it is a complete loss.

 
By Greg Bodor (gti2lo) on Wednesday, June 04, 2008 - 3:59 pm:    Edit Post Delete Post
I am with Marine Experts.... full coverage and replacement value for 5 years!

I pay 7 and change for my 2008 x-star...

Give them a call. They are the biggest broker here in Ontario.

http://www.mcleananddickey.com/me-home.html

A division of McLean & Dickey Ltd.

Tel. 1.877.525.4461 | 705.325.4461
390 Laclie Street, Orillia

 
By Matt (loudsubz) on Wednesday, June 04, 2008 - 7:55 pm:    Edit Post Delete Post
Im paying $525 for a 95 Ski Ray Inboard.
 
By JK (justridin) on Thursday, June 05, 2008 - 4:42 am:    Edit Post Delete Post
Matt,

You should get another quote on your Ski Ray. For a boat of that age and value, $525 is steep.

 
By andrew (yager97) on Thursday, June 05, 2008 - 7:47 am:    Edit Post Delete Post
575 for an 03 moomba mobius lsv gravity games edition
 
By Ron Zap (zapisor) on Thursday, June 05, 2008 - 12:03 pm:    Edit Post Delete Post
$480 for a 2008 Centurion Falcon (premier)

"My father has a 30yr old SeaRay that has never been insured... um $800 x 30yrs = 1/3 new boat"

One lawsuit becuse the nefew or neighbor broke a leg wakeboarding..... you be glad you have a couple million liability Ins.

 
By SulMaxwell (sulmaxwell) on Thursday, June 05, 2008 - 10:44 pm:    Edit Post Delete Post
I uese premier marine-I used them in Vancouer and now in Kelowna-mine has been 824 for an o2 209-X9..that is of course based on value when purchased-full replacement cost and 2 mil li,,,I would like to think it should be cheaper based on what you guys have been quoting...I have looking into other providers...issues arose such as insurance nul and void if incident happens while boat is on a trailer not attached to a vehicle...and other petty things...premier..is basically no issues...turn key...total repalcement and have been a dream to deal with...as I was making sure no issues now that I Moore my boat as opposed to trailering it...the agent was like......"the majority of the boats we insure are moored in vancouver area and avg upwards of 600K each,,,issues with a 60K ski/wb boat are non issues...." My buddy was insured through them...had is boat stolen and they cut him a chq...based on purchase value no issues...
regardless..I may have to rate shop this year!! simply based on value!

 
By craig west (craigw3972) on Monday, June 09, 2008 - 12:38 pm:    Edit Post Delete Post
just got a quote from premier marine for my 06 x-star. 70k value for the boat, 7k trailer, 5k personal effects and 2million liability $947/yr. still seems a bit high for what i am seeing on here.

(Message edited by craigw3972 on June 09, 2008)

 
By michael z (absoluteboarder) on Monday, June 09, 2008 - 4:33 pm:    Edit Post Delete Post
500....06 supra 21v.........marine experts
 

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