Marine Briddell Machete

Boat Insurance in Ontario does not have to be complicated, nor does it have to be difficult. It is actually a simple process to insure your personal watercraft, boat or Yacht. Do you have replacement cost included on your boat insurance policy? Check your watercraft policy and be sure! Stay above the waterline by staying on top of your marine insurance policy.

When you make a watercraft purchase you should review all your boat coverages in the same sense you would when buying home insurance or car insurance policies. Don't always rely on cheap insurance; double check everything about your boat policy! Marine insurance is a very broad business and there are a lot of insurance brokers that carry watercraft insurance coverage. However, some brokers may not have the right boat insurance coverage for you and your boat; should you need to use your coverage.

I have had the opportunity to buy marine insurance and work in the marine insurance business for several years and know that there are many policies out there with many different limits.

I recommend you shop around and review the policy coverages, after all sometimes $50 in your pocket matters, but it matters even more if you are not getting the coverage you want.

Guaranteed Replacement Cost-This feature is an extremely important coverage to have and it works along the same lines as a homeowners policy. Does your broker offer replacement cost? Will they repair, replace or rebuild your boat with a like kind quality of the same materials. This indemnifies an insured back to their financial situation they should be.

Professional Staff- As an experienced broker working in Ontario, I have had the experience and knowledge of working with brokers in the Marine Insurance business. I have had first hand experience to review the thorough training program every boat insurance broker needs to receive. Some brokers train their staff with more than just general insurance knowledge, which is extremely important when dealing with a million dollar yacht. Most brokers do not have the best markets to quote yachts, PWCs, fishing boats, pontoon boats and runabouts with inboard or outboard engines, however there are a lot of brokers who do have this capacity.

Emergency Towing- Some marine insurance companies will pay for towing of your vessel in the event of a claim situation without having to pay your deductible.

Loss of Use (Rental) - You need to be covered for reasonable costs incurred should your vessel be disabled as a result of a claim, limits may vary so ask your broker.

Agreed Value-In the event of a total loss, you want to be indemified for the amount of insurance shown on the policy at the time of the loss (less any applicable deductible) without depreciation.

No Depreciation on Partial Loss-In the event of a partial loss, if no used replacement parts of like kind and quality are available, make sure your insurance company will repair your vessel with new parts.

Customized coverage - No matter what kind of vessel you own, you need to be in touch with the right broker to insure your personal watercraft or luxury cruiser.

Instant Approval - When consulting a marine insurance expert ensure you can get the quote in writing and that they can offer you coverage instantly.

Quick Claims Settlement - When it comes to insurance claims, you want the best possible solution when it comes to making a claim. Question your Ontario marine insurance broker's service and find out who will adjust your claim and if it is a 24 hour claims service.

Territory - Know your navigation limits.

Dave Melanson is working with the insurance industry for more than 14 years as an agent and a broker. Dave is an expert in the insurance business focusing on key areas of auto, home, boat, motorcycle and commercial insurance. Dave has consulted with more than 140 insurance providing them marketing ideas to promote their products and brokerages. In addition, Dave Melanson was consulted as an expert and interviewed on Backyard safety with CBC news. Dave also provides expert advise to one of Canada's leading insurance advocates.

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