What We Offer

With Ready-to-Go™ boat insurance from Harbour Insurance, you get the protection and security you need at affordable insurance rates. Plus... You can easily contact us anytime during your policy term, to make a change, or simply renew your marine insurance policy with us.

Small Boats

  • Express Policy for Small Boats 
  • For boats up to 30ft and under $50,000 total value.
  • Low premium starting at $375 plus tax
  • No vessel age restriction
  • Reimbursement of Emergency Expenses
  • Coverage for Loss of use
  • No survey or photos required
  • Option to get more coverage
  • Broad navigation area and flexible payment options
  • Coverage for fibreglass, aluminum, pontoon boats, sailboats, jet-drive and rigid hull inflatable. Excludes aluminum jet-drive boats.



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Large Boats

  • For boats over 30ft and $50,000 total value
  • $1000 emergency expenses (Towing)
  • $2000 personal effects
  • Agreed value coverage 
  • No fault accident deductible waiver 
  • No Lay-up restrictions
  • No patch or paint clause
  • Replacement costs on partial losses
  • Reducing Hull and Machinery Deductible
  • Loss of use coverage
  • First payer on personal effects loss
  • Broad navigation area
  • Increase P & I limit offered up to $5M
  • Option to get more navigation coverage 
  • Chartering and incidental business use coverage available.
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Southern Navigation

  • Coverage for southern waters.
  • 8 zones stretching from the Atlantic Eastern Seaboard all the way to Southern Caribbean Sea. View Regions
  • Competitive premium
  • Offers up to $2M in Protection & Indemnity Liability
  • Foreign Registration Accepted (must be a Canadian owner).






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Why insure with Harbour Insurance?

  • Comprehensive coverage with competitive rates and options for enhanced coverages;
  • Easy to do business with online, phone or email;
  • Harbour Agents are experts in marine insurance and provide outstanding service to help you get the right coverage;
  • Trusted 24/7 claims service for your boat;
  • Serving customers for over 50 years throughout Ontario & BC exclusively for marine insurance.

Flexible Financing Options:

Pay by cheque, cash or credit card in full or take advantage of our monthly payment plan (not applicable to Small Boat policies).

Our finance plan provides the opportunity for policy holders to spread out payments of annual premiums.

Here’s how it works:

  • A down payment of 17% is required up front.
  • The balance is paid in equal monthly payments over 9 months.
  • A 5% service fee applies.

To take advantage of the plan, complete our Payment Plan Application and submit the application with a void check. 

Helpful Information:

Still not sure what policy is right for you?

Our specialized team has the knowledge and experience to help you find the right boat insurance. Contact us today.


Harbour is changing traditional marine insurance with Ready-to-Go™ policies. It's easy to get quality boat insurance coverage with affordable rates and trusted 24 x 7 claims service. We know marine insurance. It's what we've done for over 50 years.


Affordable Simple Trusted


Have questions? Contact Us.

Harbour Insurance specializes in boat insurance Ready-to-Go™.  We insure sailboats, large yachts, family runabouts, pontoon boats, personal watercraft, classic and antique boats, to cruising and southern navigation routes. Get the best insurance coverage for your boat and lifestyle with Harbour.

Get in touch

  • Harbour Insurance Services
    1255 Commissioners Rd #240,
    West London,
    ON, N6K 3N5

    Business hours:
    Mon - Fri: 9:00am - 5:00pm EST

  • 1 (877) 731-1224 or 1-705-528-1276
  •  harbour@harbourinsurance.ca