Business Details
50+ Years
experience
Emergency
services
Trusted Boat Insurance Solutions in London, ON
Safe Harbour Insurance has been a trusted leader in marine insurance for over 50 years, specializing in boat and personal watercraft coverage across Canada. Founded in Ontario in 1969, we expanded our operations to British Columbia, Alberta, and Quebec, maintaining a commitment to delivering tailored insurance solutions. Our team of licensed brokers focuses exclusively on pleasure craft insurance, offering comprehensive policies that include hull and machinery coverage, liability protection, and extended southern navigation options. With partnerships with leading underwriters like PMU, April Marine, and Beacon, we ensure competitive rates and industry-leading claims service.Our 24/7 emergency claims support and flexible payment plans reflect our dedication to customer satisfaction. We prioritize transparency, providing clear guidance on coverage options, discounts for experienced boaters, and expert advice to help clients make informed decisions. Our decades of specialization in marine insurance position us as a reliable partner for protecting boating assets nationwide.
Services
Boat Insurance
Personal Watercraft Insurance
Southern Navigation Insurance
Marine Surveyors
Claims Service
Details
- Year established: 1969
Highlights and features
- We offer 50+ years of specialized marine insurance expertise.
- Our 24/7 claims service ensures prompt emergency support.
- Flexible payment plans accommodate diverse budget needs.
- Licensed brokers provide personalized, expert policy guidance.
- We partner with top underwriters for competitive coverage options.
Services
Boat Insurance
Our boat insurance policies protect motorboats, yachts, and specialty vessels with agreed-value coverage, underwater damage protection, and up to $5M third-party liability. Policies include emergency towing reimbursement and loss-of-use compensation for temporary vessel replacement. Guaranteed replacement cost coverage applies to new vessels under five years old.
Personal Watercraft Insurance
We insure jet skis, Sea-Doos, and WaveRunners up to 13 feet with all-risk coverage, $2M liability protection, and personal effects coverage. Stand-up models are eligible for specialized policies, and emergency towing assistance is included without affecting claims-free status.
Southern Navigation Insurance
This coverage extends protection for Canadian boaters navigating southern waters below 40N latitude, including Atlantic coastal routes and Pacific territories up to Mexico. Policies include $1M P&I liability, with restrictions on hurricane coverage and mandatory boating experience requirements for eligibility.
Marine Surveyors
We provide access to approved marine surveyors for pre-purchase evaluations and mandatory inspections. Surveys are required for vessels 15+ years old or when adding southern navigation coverage, ensuring accurate valuation and risk assessment for comprehensive policy creation.
Claims Service
Our 24/7 claims service connects clients with prequalified marine surveyors and adjusters. The process prioritizes prompt resolution, with claims representatives contacting clients within 24 hours to coordinate repairs, documentation, and compensation for covered losses.
Questions
What does boat insurance typically cover?
Boat insurance covers hull damage, machinery failure, theft, and third-party liability up to $5M. Additional protections include emergency towing, loss-of-use compensation, and personal effects coverage.
Is boat insurance legally required in Canada?
While not legally mandatory, most marinas and lenders require boat insurance. It protects against liability claims, accident costs, and catastrophic losses.
Do you offer discounts for experienced boaters?
Yes, we provide discounts for claims-free records over five years, boating education certifications, and seasoned owners with extensive navigational experience.
Can I get insurance for southern navigation?
Yes, with eligibility requirements including 5+ years of boating experience and a recent marine survey for vessels over 10 years old.
What payment options are available?
We accept credit cards, e-transfers, cheques, and monthly payment plans with a 5% service fee for financed premiums.
How do I report a claim?
Call our office during business hours or use our online form. A claims representative will contact you within 24 hours to initiate the process.
