There's nothing quite like hitting the water to zip around on a personal watercraft (PWC) such as a Seadoo, Waverunner, or Jet Ski that is covered by the right Seadoo insurance. Ontario's beautiful lakes and waterways are just begging to be explored, and a Seadoo is an ideal way to get up close and personal with nature while cooling down on a hot summer day. But for true relaxation, you need the peace of mind that comes with knowing you are protected from financial loss in the event that property is damaged or someone gets hurt. And for that, you need to call our trusted insurance brokers to get a Seadoo insurance quote.
The team of experienced brokers at Morison Insurance are local, so they are very knowledgeable about all the ins and outs of what Ontarians need from their personal watercraft (PWC) insurance in Ontario. You can rely on us to seek out the best possible combination of coverages to ensure that you are protected against whatever comes your way, on and off the water. Contact us today to get the Seadoo insurance Ontario residents deserve.
Ontario Seadoo insurance is a type of insurance coverage designed to protect you from financial loss if something goes wrong while you are using your Seadoo, Jet Ski, Waverunner, or other type of personal watercraft.
If you are involved in an accident where someone else is injured or their property is damaged, or your Seadoo suffers damage or is lost due to an insured event such as fire, natural disasters, theft or vandalism, you'll be protected by Seadoo insurance. Ontario PWC enthusiasts with a solid Seadoo insurance policy can get help to recoup expenses such as medical bills, legal defense and settlement costs, property damage repair or replacement costs and more.
All personal watercraft owners should invest in personal watercraft insurance coverage. That includes:
Regardless of what type and model of personal watercraft you have, including stand-up and sit-down models, one of our reliable Morison Insurance brokers can help you get the right insurance package so you can sleep easily at night, knowing you won't have to pay astronomical costs out of pocket if an unfortunate event occurs.
You are not legally required by law to have Seadoo insurance in Ontario or the rest of Canada. However, it's well worth having because of the potential for damage or injury. While your Seadoo might not be quite on the same level as a luxury yacht, that doesn't mean it was cheap. Seadoos, Jet Skis and Waverunners are an investment, but not the kind of investment you can keep locked up in a vault. There's no point in having it if you don't take it out, and that means it could be seriously damaged or even destroyed in an accident or disaster. Without Ontario Seadoo insurance, you'll have to take on all the expenses yourself should any loss or damage occur to your watercraft.
While there's no legal requirement to purchase Seadoo insurance in Ontario, you may not be able to get financing to buy a Seadoo without it—the lender of your loan will require you to get the craft insured or provide proof of insurance. Additionally, many marinas in Ontario will require you to have some sort of personal watercraft insurance coverage in place before they would allow you to dock or store your watercraft there. So unless you can access your own private dock or store it on your own property, you need PWC insurance in Ontario to enjoy it best.
A Morison Insurance agent can assess your situation and provide expert advice and boat insurance products to help clarify your Seadoo, Waverunner, or Jet Ski insurance needs.
You are legally required to have a valid Canadian Boating License, also known as a PCOC (Pleasure Craft Operator Card), in order to operate a personal watercraft like a Seadoo, so your insurer will require you to provide proof that you are licensed before you can get Seadoo insurance. Ontario residents may not be eligible to get insurance with some companies based on a poor driving record or a lack of experience.
What exactly is included in your personal watercraft insurance policy is going to vary based on the options you choose and the types of coverage that are being offered by Ontario insurance providers. While many insurers may offer policies with common inclusions, you can further customize those policies based on your unique needs for Seadoo, Waverunner, or Jet Ski insurance.
Ontario liability insurance is the part of a Seadoo insurance policy that protects you if you are sued for third-party property damage or bodily injury liability claims. An example of this would be if you collided with another personal watercraft and caused damage to it, or the driver was injured. Or, maybe you tied up your PWC a little too close to someone else's at the dock, and they suffered damage from being jostled into each other by the waves. Your personal watercraft’s liability coverage would allow you to recover associated costs up to the liability limit on your policy, such as legal settlements, legal defense fees, repair or replacement costs and accident-related medical bills in the event of a third-party injury.
Ontario residents often think, “You know what? I’ll just be really careful, and then I won’t need insurance.” But no matter how careful you are, sometimes accidents just happen that cause physical damage to your watercraft. Sometimes, criminals come along to ruin your day by stealing or vandalizing your property. Sometimes stuff happens that is completely outside of your control, like natural disasters, storm-related damage, fire, and vermin damage from destructive pests such as rodents and zebra mussels.
Those types of events can be devastating, especially when they bring all your summer fun grinding to a sudden stop because your investment has been seriously damaged, destroyed, or taken, leaving you without a usable watercraft. That's why it's so important to include coverage for damage and theft as part of your Seadoo, Waverunner, or Jet Ski insurance policies. This type of Seadoo insurance coverage will allow you to recover costs related to repairing, restoring or replacing your personal watercraft up to the limits listed on your policy, so you can get back out on the water and enjoy your recreational investment.
Ontario accident benefit coverage protects you or your estate from paying for various costs you may incur after being injured in an accident on your watercraft. That includes the cost of your medical treatment and rehabilitation or funeral expenses. It also includes payments to your family or next of kin in the event of your death or if you lose income because you're unable to work as a result of an incident.
In Ontario, a car breaking down on the side of the road isn't exactly pleasant—but it's not as scary as being stranded out on the water with a Seadoo that is not capable of getting you back to shore. Coverage for emergency towing and other emergency services, such as fuel delivery, is a highly recommended part of Seadoo insurance in Ontario.
If you find yourself stranded on the water and unable to operate your watercraft due to a problem such as a mechanical breakdown or an empty gas tank, you will struggle to find a way back to shore and safety. Circumstances can turn dire very quickly, especially if you are out on the water alone. Having emergency assistance coverage as part of your overall personal watercraft insurance plan gives you the peace of mind that comes with knowing help will arrive should you be stuck out on the water in need of help, and you have the financial protection to pay for it.
You need uninsured driver coverage on your auto policy because you don’t want to be stuck paying out of pocket in the event of an accident and the other driver doesn’t have insurance, so why would you risk the same thing happening with your PWC? It's obviously a good idea to make sure you have adequate insurance for whatever you want to do with your time and money, but it's not just your own decisions and actions you have to consider when it comes to Seadoo insurance.
Ontario drivers who get into a collision with their car or truck can be fairly sure the other driver will have auto insurance. But since Ontario Seadoo insurance isn't legally mandatory, it's a lot more likely that you'll encounter an uninsured or underinsured PWC operator. What if you're involved in a collision with another Seadoo operator, and they are at fault, but they don't have Seadoo insurance? How will you get the compensation you're entitled to?
Uninsured watercraft coverage is a type of additional coverage that can help ensure you're protected if you are in a collision with an uninsured or underinsured boater or personal watercraft operator. If they are at fault, you won't be left without compensation for the damage to your personal watercraft, and you can get back out on the water sooner with a lot less stress and expense.
Whether your existing boat insurance policy will cover your Seadoo or other personal watercraft will depend on the specifics of your policy. Additionally, any Seadoo insurance coverage will differ depending on the insurance company providing it.
If your boat insurance does contain coverage for your Seadoo, chances are it’s for under very specific circumstances. Because of this, many insurance providers will recommend that you get a separate Seadoo insurance policy for personal watercraft to ensure your watercraft is properly protected. It’s important to examine your boat policy correctly to determine if it provides the coverage you need for your PWC. Your Morison Insurance broker will be happy to go over your existing policies with you to determine if you have adequate protection for your Seadoo or if you need a more comprehensive policy for Seadoo insurance in Ontario.
Whether or not the policy you get for PWC insurance in Ontario will protect you depends on what is specified in your Seadoo insurance quote.
Standard coverage may include use throughout Canada and some northern parts of the United States, but you will need an additional extension if you wish to use it in the southern United States, the Caribbean and potentially other regions. If you do plan to use your watercraft outside of Ontario, you should speak with your Morison Insurance broker first so they can make sure you're properly covered throughout your travels.
Since it's extremely unlikely that you would find an insurance company willing to cover racing outside of a professional context on Seadoo or Jet Ski insurance, Ontario PWC operators will have to keep the fun non-competitive. On the other hand, modifications and renting it out to others are not necessarily out of the question, but they do need to be referred and specifically approved by the insurer, so the best course of action is to discuss the details with your broker at Morison Insurance prior to joining a rental program or getting started on modifications.
Yes, it is possible to add Seadoo insurance to your house insurance or auto insurance policy instead of getting stand-alone PWC insurance in Ontario. Bundling different insurance policies together is a great way to help reduce their overall cost of insurance. Your Morison Insurance broker can help you determine if that is the best course of action for your particular insurance needs and recommend endorsements or additions that will ensure you have the right coverage to protect you against serious financial losses.
This question makes sense—after all, you're not taking your Seadoo out on the lake in January. Even though you can't use your Seadoo throughout the winter or during most of spring and autumn, most policies for Seadoo insurance in Ontario are issued on yearly policies that can't be cancelled in the fall and renewed again in the spring.
This is because even when you’re not using it, during the off-season, you still need the protection provided by PWC insurance. Ontario watercraft can still be damaged when out of the water and in storage over winter. For instance, a fire could break out at the facility it’s stored in, heavily damaging or destroying it. Or, rodents or zebra mussels could chew up wiring or damage internal systems during periods of non-use, which you might not discover until you try to get it ready for the water season ahead. In these cases, having the right personal watercraft insurance would protect you from the financial loss that would have otherwise resulted from the damage.
Some insurance companies do offer a guaranteed replacement cost for personal watercrafts such as Seadoos, Jet Skis and Waverunners. However, it is typically for a shorter period of time than a boat. That said, you may be able to get a guaranteed replacement cost for up to five years. Talk with your Morison Insurance broker about it so they can take a look and find the best option for your Seadoo, Jet Ski or Waverunner insurance.
Like any other type of insurance policy, there are many different variables that go into calculating the cost of Jet Ski insurance. Ontario residents lead very different lives, so even if they have the same make and model of Jet Ski, Waverunner, or Seadoo, their insurance needs will differ, and so will their insurance costs.
Some of the different factors that go into calculating the cost of personal watercraft insurance premiums include:
It’s important to be as detailed as possible when discussing your Seadoo insurance needs with your Morison Insurance broker so we can find you the best policy options and potential insurance discounts.
You can get a competitive Seadoo insurance quote from a knowledgeable insurance broker at Morison Insurance. We are a family-owned and operated business, and as such, it's important to us that our clients get the exact same service we would provide to our closest family members. We will work tirelessly to find the best Seadoo, Waverunner, or Jet Ski insurance solutions for your unique needs so that you can enjoy your fun in the sun worry-free.
To get a Seadoo or Jet Ski Insurance quote, you can contact us by calling 1-800-463-8074 or filling out the contact form on our website.
