COVID-19

Keeping you up to date

As boaters we get it, the situation isn’t ideal as the 2020 boating season draws near. By this time, we usually see marinas getting ready and boats being unwrapped. The reality is that the world has ground to a halt and it could be a while until the waves settle. We are following all recommendations by the Government of Canada as well as Federal Health authorities to ensure we are up to date on everything from coast to coast when it comes to recreational boating.

MD Marine Insurance will continue to make every effort to ensure that the needs of you, our valued clients, are met quickly and effectively. Our physical office is temporarily closed to the public, but we are still very much up and running to help with all your boat insurance needs. Thanks to technology and our great IT team, we are able to have our entire team set up in their homes and ready to help you with any questions you might have regarding your watercraft insurance.

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.