Boat Insurance

Relax on the water knowing you have the right coverage for your boat

Find a broker

Trusted by over 2.8 million customers

Whether it’s hoisting the sail, weekend watersports, or luxury cruising, our insurance coverage is designed for life on the water. 

Choose the right coverage

Enjoy standard features and choose from optional types of coverages

Available discounts

Discounts are available for:

  • Insuring your home, auto and boat insurance policies with us 
  • Completing nautical training
  • Storing your boat on a dry dock 
  • Maintaining a clean driving experience (no convictions and staying claims-free)

Standard coverage

Aviva’s NautiMax® boat insurance is for all types of boats: 

  • Sail boat
  • Jet boat
  • Sport boat
  • Fishing boat
  • Cruiser 
  • Cuddy cabin boat
  • Houseboats
  • Pontoon boat
  • Deck boat
  • Runabout
  • Personal watercraft


Boat insurance policies include:

  • Broad navigational territory – you’re covered anywhere in Canada and the northern U.S. states
  • Choice of coverage – choose between Agreed Value/Replacement Cost, actual cash value or liability only
  • Accident benefits and medical coverage
  • Emergency towing and loss of use
  • Navigation equipment coverage
  • Pollution and wreck removal
  • Coverage for vermin damage
  • Personal effects coverage including sporting equipment
  • Claims forgiveness and deductible waiver

Optional coverages

Need enhanced coverage?  Customize your policy with these add-ons:

The availability of these policy add-ons varies by province. Contact your insurance representative to find out which option is available and the right one for you.

Guaranteed replacement cost

Upgrade from agreed value / replacement cost and we’ll replace your boat with a brand new model, even if it costs more.


Expanded navigation territory

Add coverage to southern U.S., Caribbean and Bahamas.

Incidental use

Additional liability coverage when you occasionally use your watercraft to entertain clients, or for your charity or volunteer work.

Increased personal effects

Get more coverage for your apparel, sports equipment and personal items brought on your boat.

Increased loss of use

Up to $5,000 for the cost of a replacement boat, rental car, taxi, or public transit while your boat is being repaired.

Aviva Marine Assistance

Enjoy assistance services specifically designed for the boating lifestyle such as boat towing referrals, trip planning and concierge service.
Learn more
Young family of four standing on the upper deck of a yacht, enjoying their vacation on a sunny day..

The boat insurance you need

With Aviva's marine insurance, you'll get:

Emergency towing and loss of use coverage

A marine rescue and tow for boaters stranded on the water are included in every policy at no additional charge. Plus, you can get a rental while your boat is out for repair.

Leading medical benefit coverage

You will get market-leading medical benefit coverage if you’re injured while on board, embarking or disembarking.

Broad navigation territory

Coverage follows you anywhere in Canada and the northern U.S. states and can be extended to the southern states, Caribbean and Bahamas.

Frequently asked questions

We answer your questions about Aviva’s boat insurance

Why should I get boat insurance, versus insuring my boat on my home policy?

As the country's largest insurer of recreational vehicles, we've been protecting Canadian fun for more than 60 years. Our boat insurance policy provides coverage specifically designed for the boating lifestyle such as broad navigation territory, Aviva Marine Assistance that provides emergency towing and boating services, and pollution liability and wreck removal.  

Is boat insurance mandatory? Do I need it?

You’re not legally required to have boat insurance. However, if your boat is financed, your lender will most likely require you to have boat insurance.

I'm planning to rent out my boat. Will you provide coverage?

Our boat insurance policy is designed for private pleasure use only and doesn’t cover commercial or for-profit use.

If I'm planning to make some modifications to my boat, what do I need to do?

Be sure to let your insurance broker know if you’re planning to make any modifications to your boat to ensure that you have the proper coverage. Our policies cover some types of modifications such as adding a permanent trolling motor and trim tabs. We don’t cover modifications to enhance speed and performance.

Who is covered under an Aviva boat insurance policy?

Our policy covers you, your spouse and dependents, your immediate family members and any other person operating your boat with your permission.

Why is liability coverage included on Aviva boat insurance policies?

Our boat insurance policy includes liability coverage to help cover the costs of legal action if you hurt someone or damage their property while you're using your boat. The liability protection also covers the costs of pollution clean-up and wreckage removal. 

Can I use my boat in the U.S. and still be covered?

Our boat insurance coverage provides a broad navigational territory. You’re covered anywhere in Canada and the northern U.S. states. Your coverage can be extended to the southern U.S. states, Caribbean and Bahamas. 

How much will you pay to replace my boat if it has to be rebuilt after a claim?

If you insure your boat with Agreed Value/Replacement Cost and your boat (up to 15 years old) is a write-off, we’ll pay you the amount stated on your policy.

Insurance brokers, the right choice for you

Get expertise for your insurance needs from coverages, pricing options, claims support and discounts.

The insurance products described on this page are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance representative if you would like to learn more.

“NautiMax” and associated word marks and logos are trademarks, designs and other forms of intellectual property of Aviva Canada Inc.