Can you get boat insurance without a driver's license? | APRIL Marine
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Can you get boat insurance without a driver’s license?

Un homme navigue dans l'océan avec un bateau après avoir souscrit à une assurance de bateau sans permis

When it comes to boating, it’s important to have the right insurance coverage to protect yourself and your vessel. However, can you still get boat insurance without a driver boat license? Our company specialized in boat insurance, APRIL Marine, helps you to see more clearly with this article.

What is a boat without a license?

To have a boat without a license, the owner must have a vessel that its size is less than 16 feet (ca. 5 meters) in length and are designed for recreational use only. In Ontario, for example, boats with 10 horsepower engine or less don’t require a license.

What types of boats are concerned?

If you’re considering getting boat insurance without a driver’s license, it’s essential to understand the types of boats that are eligible. They are:

– Kayaks and canoes
– Small motorized boats with less than 10 horsepower
– Personal watercraft, such as jet ski boat
– Rowboats and sailboats without motors

However, in Ontario, some of these boats may still require a Pleasure Craft Operator Card (PCOC) if they have an electric or gas motor attached to them. You should always check with your local authorities and boat insurance companies before operating any boat without a license.

Conditions to have a boat without a license

While Canadian boaters may not need a driver’s license to operate certain types of boats, there are still marine policies that must be met. For example, you may need to be a certain age or pass a boating safety course. To have a boat without a license, you must meet the following conditions, such as:

– Own the boat and have it registered in your name
– Comply with the residential boat policy, such as having boating safety equipment, navigation lights, and registration numbers on board
– Prepare your PCOC and ID with you while operating the boat
– Follow the rules of navigation and respect other boaters and water users

What are the consequences if you don’t have a boat insurance policy?

Unlicensed drivers could be held liable for any property damages or physical damages that occur while you’re on the water. This means that you could be responsible for paying for any repairs or replacement to your vessel. Moreover, you may need to afford for medical expenses for bodily injuries sustained by passengers or other boaters. In this case, having a boat liability insurance will protect yourself in case of an accident.

Having a boat without a license can be fun and convenient, but it also comes with responsibilities. Therefore, securing boating insurance is an essential legal requirement for all boaters, regardless of whether you have a boating license. It will not only protect you from financial losses like theft or environmental damage, but also remind you to comply with the law. Being active over 30 years in the industry, April Marine has been a trusted companion of thousands of boat owners. We offer reasonable boat insurance rates with high liability limits to help you enjoy in peace of mind. Do not hesitate to contact us today to get free boat insurance quotes upon your needs!

8 good practices to know

If you’re operating a boat without a license, it’s important to follow some good practices to stay safe on the water. Here are some tips to keep in mind:

– Wear a life jacket or personal flotation device (PFD) at all times
– Check the weather and water conditions before heading out
– Let someone know your trip plans
– Follow the rules of navigation
– Avoid alcohol and drugs while boating
– Stay within your skill level and limit your speed
– Keep a safe distance from other boats, swimmers, and obstacles
– Know how to handle emergency equipment and call for help if needed

Where to get an insurance?

Do you require boat insurance without a driver’s license in Ontario? The proper answer is yes!

There are several types of boat insurance coverages available, including liability insurance, collision insurance, comprehensive coverage, and personal property coverage. Each package covers a specific need, from accidental damage coverage to medical payments. It’s essential to do research on marine insurance policy carefully before reaching the boat insurance broker. The reason is that the liability coverage for boats without a license is generated differently among providers. You can contact APRIL Marine to get a quote and learn more about the types of coverage available for your vehicle.

What about the rules of navigation?

In addition to having boat insurance, the boat operator must obey the rules of navigation when driving your vessel, either licensed or unlicensed driver. These rules include things like maintaining a safe speed, and avoiding collisions with other boats or objects. Failure to follow these rules can result in fines, penalties, or even boating accidents.

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