Boat insurance?

[Silent knots]

Any companies or specific coverage that you would recommend? (I'm in the Duncan area).

 

[Cuba Libre]

I have used these guys for a few years-- good coverage for a reasonable price.. Good from Wa to Ak inside and outside waters. http://www.viic.ca/marine-boat-watercraft-insurance/

 

[Reel-Knotty]

I also found viic to be good

cheers

 

[tinboatrobb]

I also found viic to be good

cheers

We use Beacon Ins for our boat.

 

[trophywife]

beacon all the way

 

[Fish Assassin]

I have used these guys for a few years-- good coverage for a reasonable price.. Good from Wa to Ak inside and outside waters. http://www.viic.ca/marine-boat-watercraft-insurance/

These guys are the best in my mind, best price and coverage

 

[captmike]

boat insurance went up. Anyone recommend an agent in the Richmond area?

 

[dmurph]

I would strongly recommend hub, with coast as the underwriters. They have the best coverage. One of the few that cover engine claims.

 

[profisher]

Christie Phoenix in Victoria and a further 10% discount for SVIAC members.

 

[Whole in the Water]

Christie Phoenix in Victoria and a further 10% discount for SVIAC members.

Not to mention that Christie Phoenix policies cover you up to 25 miles offshore (many only go to 6 miles offshore) which is important if you fish offshore banks like Swiftsure Bank, etc. Their rates are very competitive as well.

 

[sir-vivor]

I use dolphin , they actually have a specific clause covering my fishing gear ............. just wondering are all of you covered for fishing gear for but not stupidity like overboard losses lol (rods, downriggers, crab puller ect ) ??

 

[Silent knots]

Thanks all... We went with Beacon via Hub. I will compare the others for next year.
I would also recommend a C-Tow membership for out on the water emergencies

 

[Silent knots]

Thanks all... We went with Beacon via Hub. I will compare the others for next year.
I would also recommend a C-Tow membership for out on the water emergencies

 

[kevind]

doesnt beacon cover emergency towing in the policy?

 

[Silent knots]

They do up to $1000, once per year.
Having recently spent $1300 for a single tow, only to find out our boat insurance policy didn't cover tows, we bought the membership for extra piece of mind as it covers more than just unlimited tows. Obviously changed insurance companies as well.

 

[kevind]

I'm looking at beacon right now also just waiting on a quote from them. Is the new policy you have the same up to 1000 with beacon? How far of a run was it to spend 1300 bucks? sorry will be my first big boat so am curious.

 

[Silent knots]

Yes, Beacon caps out at $1000.

Our tow was a relatively short distance... It was slow at at $250 per hour... It added up.

 

[kevind]

thanks for the info

 

[Cannonball]

Appreciate the info guys! Submitted a quote request to Beacon and VIIC and have one back from Coast Capital. Will advise what I go with and why.

 

[Cannonball]

RESULTS: I had 2 companies offering relatively the same package
1.) Western Financial Marine who Coast Capital Savings is farming their marine insurance out to.
2.) VIIC
Western Financial Marine Insurance came in with better and faster service. They are located on Beacon Ave in Sidney and solely do marine insurance. Their price was $50 cheaper but a couple deductibles were $50 more with them. I figured I don't plan on making a claim, so I would rather save the $50 up front.
When shopping for insurance, note that most offer $2,500 Breakdown Towing/Commercial Assistance Coverage which is great, as that could be a big bill.
My biggest worry on the water is hitting a submerged log and they do cover physical damage to the hull and motor provided the cause of loss was sudden and accidental.
Hope this info helps.