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Boat Insurance in Nova Scotia
A popular and fun summertime activity is boating, even though in most provinces you only use your boat for a few months out of the year, it is still important to have it insured all year round.
You can literally experience Nova Scotia by boat because the province is almost completely surrounded by water and has a magnificent coastline that stretches over 8,3000 miles! It is dotted with endless inlets, coves, and harbours, perfect for exploring by boat. You can boat along the East Shore for the breathtaking nature preserves and some of the best unspoiled and secluded seascapes. Or venture along the South shore for the colourful fishing villages, secluded coves, and sandy beaches. For a totally different experience, Bras d'Or Lake is the destination for cruising yachts with amazing golf destinations. There is certainly something for everyone here with many sights to see and explore!
No two boats are alike so make sure you speak with one of our Advisors to get the best advice. We'll provide you up to 10+ quotes from Canada's top boat insurance providers, getting you the coverage you need, for the best price possible.
Boat Insurance in Nova Scotia
Boat insurance covers you in the event of a loss or damage to your watercraft. It covers most watercraft with motors, including fishing boats, paddle boats, leisure crafts, even yachts (for you high rollers!). For smaller boats, you may find some limited coverage under your homeowner's policy, so it's best to chat with your Surex Advisor about what you're covered for and what you need to add to your policy when you buy a boat.
No, currently the province of Nova Scotia has not made it mandatory for you to have a pleasure craft operator card (PCOC) to legally operate a motorized boat. But, keep in mind that without insurance you are running the risk of losing everything if an accident should occur. For example, if someone were hurt and you were found to be at fault, you could be sued for liability.
While boat insurance is not mandatory it can cover damage, liability and other unforeseen events.
The amount of boat insurance you will need depends on a number of factors such as the value of the boat, the motor size, the age and how you use it (speed boat vs a pleasure cruiser). For example, if you bought a new high-performance speed boat, you will need more coverage for bodily injury and property damage liability than you would if you had a pleasure cruiser.
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