Safe Boating in Canada: Six Ways to Protect Your Boat, Your Crew and Your Premiums

A proper pre-departure check doesn’t take long and can save you from major headaches. Before heading out:

• Make sure every passenger has a Canadian-approved lifejacket in good condition.
• Check fuel levels, look for signs of leaks and ensure the engine is running smoothly.
• Test your navigation lights, horn and bilge pump.
• Confirm that essential safety gear is onboard: fire extinguisher, flares, first aid kit and a working radio or signaling device.

These small steps help prevent common issues that lead interrupted summer plans.

Routine maintenance doesn’t just keep your boat running; it reduces your risk of fire, breakdowns or costly mid-season repairs. Keep a maintenance checklist for:

• Oil and fuel line inspections.
• Battery checks and wire corrosion.
• Propeller damage and debris.
• Fluid levels, belts and hoses.

Not only does this reduce your risk on the water, but insurers also consider well-maintained boats to be lower risk, which can affect your premiums.

Many boaters get caught off-guard by fast-moving storms. Always check the forecast before departure and keep a close eye on the skies while out. If there’s any doubt, it’s safer to stay docked.

A waterproof bag with emergency supplies, dry clothing and backup power is a smart add-on for unexpected conditions.

Operating a boat while impaired carries serious legal – as well significant insurance –consequences . You can face steep fines, license suspension or even a criminal charge. For insurers, impaired or reckless boating is a major red flag that can lead to higher premiums or a denial of coverage altogether. Assign a sober skipper and treat boating like driving — legally it is.

Damage doesn’t only happen during boating season. Where and how you store your boat can make a big difference.

• Indoor storage protects against theft, storm damage and vandalism.
• Clean and drain the boat before storage to avoid mold, pests and system issues.
• Use a secure cover and consider adding anti-theft measures such as GPS tracking or a wheel lock.

Some insurers offer discounts if you store your boat in a monitored facility or use approved security devices.

Several factors influence your rate, including:

• Boating experience and safety course completion.
• Claims history (especially preventable ones).
• Use of safety gear and theft-prevention devices.
• Type of vessel, horsepower and how it’s used.

By following the best practices above, you not only help keep everyone safe — you also show insurers that you’re a responsible boat owner, which can lead to better rates and fewer surprises at renewal time.