COVID-19

Keeping you up to date

Updated September 4th, 2020

At MD Marine Insurance we are continuing to evolve our business practices as we make our way through these uncertain times. Our number one priority remains the safety of you and our team. Things may look a little different around the office and our protocols have changed, but the MD Marine Insurance commitment to assessing, advising, and advocating on behalf of our clients and community remains unwavering.

As of September 8, 2020, our Orillia office will be re-open to the public by appointment only . Our office is going above and beyond to follow the Government of Ontario’s health and safety guidelines by setting clear in-office protocols to ensure that we are keeping everyone safe.

What to expect as we re-open:

  • Client services delivered in the office will be by appointment only. Please call 705-325-4461 to schedule an appointment.
  • Visitors will be required to wear a face mask at all times while in the office.
  • Staff will be wearing personal protective equipment, and office set-up will be arranged to maintain social distancing.

On the day of your appointment, please note that:

  • You will be admitted by a team member into the office only at the exact time of your appointment. Please wait in your car until your appointed time if you arrive early.
  • You are expected to have your face mask in place prior to being admitted into the office.
  • You will be required to sanitize your hands (sanitizer will be provided) upon arriving and upon leaving.
  • You will be asked to sign-in, complete a health questionnaire and confirm your contact information upon arrival.
  • If you choose to not adhere to any of the above requirements, you will not be admitted into our office and/or will be asked to leave. Again, our number priority remains the safety of your and our team.

Although our office is opening to the public by appointment only, we are able to service all your needs via the telephone and/or email. We continue to want to limit face to face interaction where possible.

All of us at MD Marine Insurance Insurance are committed to providing our community with the best possible service, with full availability by phone and by email. Our team will continue to move forward with an abundance of caution as we emphasize the safety of you and our staff. We are doing our part to protect our community and avoid a second lock down. As the situation evolves, we will continue to update our policies and procedures as needed.

If you would like to discuss your policy, your payment schedule, or changes to your coverage needs, we invite you to call us and speak to one of our team members at 705-325-4461. We are available Monday to Friday from 8:00 am to 5:00 pm.

Answers To Frequently Asked COVID-19 Insurance Questions

Does Aviva plan to provide discounted coverage should I be unable to use my boat this season?

Aviva has introduced a one-time rebate for boaters who have lost a minimum of 30 days of the boating season. Please contact our office to see if you qualify for this rebate 1-877-627-4633.

I do not plan on using my boat at all this year; can I opt for storage (dry dock) coverage?

If you are not planning on putting your boat in the water at all this year, you may take advantage of this coverage effective your renewal date. It is important to note that this is not intended to address the COVID- 19 situation, as this reduced coverage and premium is not designed to be removed from your policy mid-term. Any premium savings you may benefit from now with this endorsement, will have to be paid back in full should you decide to put the boat in the water at all during your policy term.

Can I pause my insurance and re-start when this is over?

No. Watercraft insurance policies cover you for the entire year and cannot be put on ‘hold’. On top of having full coverage on the water, the boat is also covered for fire, theft, vandalism, weather-related damage, vermin damage, and more, while it is in storage, laid up on land, and in transportation.

Are there any accommodations on survey/photo requirements since this may not be possible to get right now?

If your boat requires either photos or a marine survey due to its age, please give us a call and we can work together to make arrangements to delay this requirement.1-877-627-4633

What happens if I cannot make a payment on my policy?

If you are needing assistance with making your payments, please give us a call, and we will work together to set up a payment schedule that works for you. 1-877-627-4633

Can I cancel my policy? I am not going to be able to use my boat, so I do not need the insurance.

You can cancel your policy at any time, however, your policy covers you for all perils such as fire, theft, vandalism, weather-related damage, vermin damage, and more that can still happen even if your vessel remains in storage. Although watercraft insurance is not required by law, in some cases, you may be required to keep it insured. Check your marina agreement, storage agreement, and/or your purchase financing agreement for the insurance requirements before deciding to cancel your policy.

I cannot bring my boat back from the south as previously planned; what should I do?

Call us as soon as possible and we can discuss extending coverage for the southern exposure 1-877-627-4633.

Can I extend my navigational extension as I am unable to return with the boat?

Yes, we can likely extend the navigation extension while your boat remains south, but you must call us to make these arrangements.

Will we be boating this year?

Yes, the boating season is underway. The government along with three major boating associations have created social distancing templates for marinas and communities. Boating is a great way to get out within your social circle and enjoy the waterways that our beautiful country has to offer.

A Guide to Social Distancing when Boating

Only boat with those within your social circle of 10.

No beaching your boat right next to someone else.

Maintain your distance at the fuel dock - and remember to wash your hands.

No rafting up - keep your distance on the water.

Keep your social circle safe. Maintain physical distance with anyone outside of your circle.

Go right from your house to the boat and back. No unnecessary contact with anyone

Enjoy your boat, the water and the fresh air; but enjoy it while boating responsibly

Check out "Guidelines for Pleasure Craft during the COVID-19 Pandemic" from Transport Canada

Still have questions regarding COVID-19?

We have several easy ways for you to contact us.