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Personal watercraft insurance

Personal watercraft enthusiasts, be well insured! Afterwards, it will be you, the water and the sun!

You’ve chosen a watercraft to match your personality. Do you prefer touring, sport, speed and high performance, stand-up models? The choice is yours! It’s also your responsibility to insure yourself properly.

Protection includes responsible marine behaviour. It also means purchasing insurance to protect yourself and your watercraft. When it comes to liability insurance, accidents, theft, or any other damage, consider all your options. Your Malouin broker is there to advise you.

General Insurance | Personal watercraft insurance


Fill out our form in less than a minute to get a quick quote. You can also contact one of our brokers!

1 888 625-6846

What insurance policy do you need?

Assurance véhicule récréatif - Malouin assurance

Let’s first think about civil liability. This covers bodily injury and property damage that could be caused to a third party in the event of an incident.

Next, here’s what your personal watercraft insurance may include:


Personal injury


Emergency towing


Medical expenses


Property damage


Equipment protection

By providing as much detail as possible to your insurance broker, you’ll be able to take advantage of the personal watercraft insurance policy that’s right for you.

A few details about personal watercraft insurance

Total loss

In the event of a total loss, if your watercraft is less than 5 years old, you will receive the amount that was determined in your contract. If your watercraft is more than 5 years old, the process is different: your compensation will be equal to the market value of your watercraft at the time of the loss.

Loss of use

This amount may apply to the rental of a watercraft following an incident covered by your insurance. The replacement watercraft will be of the same type and size. This amount will be specified in your contract.

Emergency towing

Has your watercraft ever broken down due to running out of fuel or a mechanical failure? Emergency towing to the nearest point for repairs or refueling may be covered. This amount may reach $2,500. Note: in the case of a claim that is already covered, these towing costs are automatically reimbursed.

General Questions


Is my equipment protected?

Your personal watercraft insurance can cover your sports equipment. It can be insured for an amount ranging from $1000 to $5000.

What does liability cover?

It will cover bodily injury or property damage that may be caused to others while using your watercraft. It may also cover costs caused by a pollution incident. It must be a direct result of a risk covered by your policy. All these issues should be discussed with your insurance broker.

Is rodent damage covered?

Coverage is available for damage caused by rodents, as well as zebra mussel infestations.


I am Arthur, your intelligent virtual assistant in property and casualty insurance.

I was named in honor of the founder of Malouin Assurance, Arthur Malouin. I hope I can serve you with the same level of care as Arthur did. You can ask me questions, request a quote or communicate directly with a broker (by phone or via chat).


We work with the best suppliers.

Having a hard time finding your way around all the insurance companies? We are here to advise you and to find the best coverage for your needs, based on your reality. This is the role of a broker, and we take it seriously.

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Quote request

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Fill out our form and our agents will be pleased to process your request to your complete satisfaction. They will then contact you as soon as possible!




1 888 625-6846

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