Watersports and Boat Insurance

If you love watersports, make sure your boat insurance can keep up. While standard watercraft insurance policies cover most common towed activities, there are a few important rules and exclusions to keep in mind. Here are answers to some of the most common questions boat owners have when it comes to watersport insurance, towing friends, using personal a watercraft and protecting their equipment.

Are watersports such as wakeboarding or tubing automatically covered by boat insurance?

Generally, yes. Most boat insurance policies include coverage for common towed watersports such as wakeboarding, waterskiing, kneeboarding and tubing provided that:

• The watercraft is legally compliant and properly equipped.
• The participant is towed by the insured watercraft.
• The activity is for personal use only, not for hire or profit.

What types of watersports are not covered?

Some activities are excluded from coverage. These typically include:

• Tethered flight sports (e.g., parasailing).
• Flyboarding or anything involving released propulsion.
• Wakesurfing behind boats not purpose-built for it.
• Any towed activity not specifically listed above.

Are there special requirements for my boat to be eligible for watersports coverage?

Yes. To ensure boat insurance coverage applies, your watercraft must:

• Be legally compliant and used safely.
• Have seating for the driver, a spotter and the person being towed.
• Be equipped appropriately if wakesurfing — only boats with inboard engines, jet drives or forward-facing drives typically qualify.

What are some of the most popular, insurer-approved vessels for wakesurfing?

Here are some of the most popular boats appropriate for common towed activities. They’re available through Canadian dealers and marine retailers, especially in Ontario, Alberta and British Columbia.

1. Centurion Ri265 - Known as the “Surf Beast” with 6,000 lbs of ballast and RAMFILL 2.0 for rapid wave setup.
2. Malibu M240 - Combines luxury and performance with Surf Gate™ Fusion and Power Wedge III.
3. Supra SE 550 - A powerhouse with a 6.2L Raptor engine and Autowake 2.0 for predictive surf shaping.
4. Nautique G25 Paragon - Elite-level wake and surf performance with dual touchscreen controls and luxury finishes.
5. Axis T250 - Budget-friendly yet powerful, offering Malibu-level tech at a more accessible price.
6. Nautique G23 - A legend in the wakeboarding world, known for its massive, customizable wake.
7. Malibu Wakesetter 23 LSV - A Canadian favourite for its versatility and consistent wave quality.
8. Tige Z3 - Offers TAPS 3T surf system and Convex V Hull for smooth, adjustable wakes.
9. Moomba Mojo - Great value with AutoWake tech and Flow Surf System for beginner to intermediate.
10. Heyday H22 - Compact and affordable, ideal for families and new wakeboarders looking to get started.

Can I use a personal watercraft (PWC) for watersports?

Only if it meets safety and legal standards. For example, two-person PWCs are generally not eligible for towing coverage. A personal watercraft is usually defined as:

• Less than 16 feet (4.9 m) in length.
• Operated by sitting, standing, or kneeling on the vessel.
• Powered by an inboard jet drive.

PWCs are often used for solo or tandem riding, but towing activities may be limited or excluded under your boat insurance policy.

What usage restrictions should I be aware of?

Your boat insurance typically covers private pleasure use only. That means:

• No commercial use, chartering, or rentals.
• No racing or speed testing (unless the vessel is a sailboat).
• No watersports for hire or financial gain.

Is my watersports equipment covered?

Sports equipment such as wakeboards, waterskis and kneeboards is usually covered under the “personal effects” section of your policy. Standard limits include:

• Coverage based on actual cash value.
• A $500 deductible.
• A $5,000 total policy limit, with optional increase available.
• A $500 per-item limit for portable electronics.

How can I make sure I’m fully protected?

Review your boat insurance policy details carefully and speak with your insurance advisor. If you participate in specialized watersports or plan to use your boat for activities beyond standard recreation, you may need additional coverage or written approval to ensure you’re protected.

Still Have Questions?

Watersports are all about fun, and boat insurance worries shouldn’t cast a shadow on sunny days on the water. If you're unsure whether your activities or equipment are properly covered, or if you're planning to upgrade your boat this season, we can help you navigate your options.

Make sure your policy keeps up with how you use your boat.