{"id":43101,"date":"2026-10-27T13:47:25","date_gmt":"2026-10-27T17:47:25","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=43101"},"modified":"2026-10-27T13:47:27","modified_gmt":"2026-10-27T17:47:27","slug":"do-you-need-boat-insurance","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/do-you-need-boat-insurance","title":{"rendered":"Do You Need Boat Insurance? 4 Potential Risks if You&#8217;re Not Covered"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Do You Need Boat Insurance? 4 Potential Risks if You&#8217;re Not Covered<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-10-27T13:47:25-04:00\">October 27, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">9 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/tammy-burns.jpg?quality=80&w=807\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/boat.png?quality=80&amp;w=640\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/boat.png 640w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/boat.png?resize=300,200 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Do You Need Boat Insurance? 4 Potential Risks if You&#8217;re Not Covered &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/do-you-need-boat-insurance\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/do-you-need-boat-insurance\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Is boat insurance mandatory in Canada?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-is-boat-insurance-mandatory-in-canada\">Is boat insurance mandatory in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-common-boat-insurance-claims\">3 Common boat insurance claims<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-4-potential-risks-if-you-re-not-covered-with-boat-insurance\">4 Potential risks if you&#8217;re not covered with boat insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-boat-safety-to-prevent-claims\">Boat safety to prevent claims<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>In Canada, most recreational boat owners are not legally required to have insurance for their craft. However, this doesn\u2019t mean that sailing without <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/boat-insurance\/\" class=\"rbc-link-format\">boat insurance<\/a> is a good idea. In fact, insurance that keeps you, your passengers, and your boat protected might be (like a life jacket) a smart bet.<\/p>\n\n\n\n<p>Similar to driving, boating comes with risks. Even the most careful and conscientious operators can face issues with liability, damage and loss, financing and marina requirements, or gaps in their home and auto insurance policies that leave them exposed when it comes to an issue with their boat. So, before you shout \u2018Ahoy!\u2019, read on to make sure that you, your crew, and your boat are protected every time you head out on the water.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Boat insurance is not mandatory in Canada<\/strong> but there is a long list of reasons for boaters to seriously consider coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>For those who decide to finance a boat, insurance <\/strong><strong>may be <\/strong><strong>required by lenders<\/strong><strong>, <\/strong><strong>marinas<\/strong><strong>,<\/strong><strong> and winter storage facilities<\/strong><strong>.<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Theft, collision, and weather-related damage are common occurrences<\/strong> and among the top reasons that Canadian boaters choose to insure their boats.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Uninsured boat operators risk huge out of pocket costs<\/strong> in the event they injure someone or damage property while out on the water.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Home and auto insurance policies may offer some protection<\/strong> for boaters but often leave huge gaps in coverage.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-boat-insurance-mandatory-in-canada\">Is boat insurance mandatory in Canada?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-boat-insurance-canada\/\" class=\"rbc-link-format\">Boat insurance<\/a> is not mandatory in Canada for recreational boat owners. Federal and provincial laws do not require coverage for boats, jet skis, and other recreational watercraft like they do for automobiles. In some cases, however, would-be captains and skippers may be required by third parties to insure their boat. For example, your sailing club, marina, or the boatyard where you store your craft each winter may all require you to have dedicated insurance for your boat. Without it, you could be denied access to those facilities.<\/p>\n\n\n\n<p>Additionally, if you plan to use a financing program to purchase your new boat, some lenders may ask you to provide proof that you have insured it. Financing companies will regard the cost of <em>your<\/em> boat as <em>their<\/em> investment and will require that they be named on your insurance policy as a \u201closs payee.\u201d This means that if your boat is damaged, stolen, or destroyed, the lender will be prioritized and paid first by the insurance company when you file a claim.<\/p>\n\n\n\n<p>Rules about boat coverage across Canada vary between provinces and territories. If you\u2019re unsure about how to best protect your boat, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" class=\"rbc-link-format\">speak to a licensed RBC Insurance advisor<\/a> for guidance and additional information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-common-boat-insurance-claims\">3 Common boat insurance claims<\/h2>\n\n\n\n<p>Any boater can run into choppy waters through no fault of their own. Having boat insurance may not guarantee smooth sailing, but your coverage provides the peace of mind that comes from knowing your passengers and property are protected. Here are three typical situations where having boat insurance could save you money and get you back out on the water as soon as possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-boating-claim-1-hitting-an-object-in-the-water\">Common boating claim #1: Hitting an object in the water<\/h3>\n\n\n\n<p>It&#8217;s not always possible to see below the water\u2019s surface and to avoid obstacles such as submerged logs, debris or rocky lakebeds. With a boat insurance policy, a straightforward claim like a dented hull or a broken propeller will trigger a payout and allow you to fund repairs so that you don\u2019t end up stuck on the dock for the better part of the season.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-boating-claim-2-theft\">Common boating claim #2: Theft<\/h3>\n\n\n\n<p>Boat owners are at risk of theft both during the boating season when their boat is docked in a marina and during off the season, especially if the watercraft is stored in a driveway or left on a trailer. It isn\u2019t only the boat itself that is a target for thieves, motors and other parts can be stolen too, leaving the watercraft susceptible to further damage such as flooding. Without boat insurance, owners could be faced with a repair bill or the cost of replacing their boat all on their own.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-boating-claim-3-weather-damage\">Common boating claim #3: Weather damage<\/h3>\n\n\n\n<p>Canadian winters can wreak havoc on watercraft, especially for newer boaters who may not have experience in safely storing their boat before the cold weather arrives. Even if you prepare and store your boat properly at the end of boating season, come spring, severe weather may leave you with a nasty surprise in the form of a frozen engine block or a damaged hull. A comprehensive boat insurance policy could help you avoid having to shoulder the repair or replacement costs on your own. Most insurance policies require your boat to be out of the water during the winter months due to freezing and claims made for boats left in the water during the winter may be declined.<\/p>\n\n\n\n<p>Certain homeowner policies offer limited coverage for small watercraft. Review your current plan to find out what events you\u2019re insured against. If you\u2019re concerned that your current coverage may not be enough, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" class=\"rbc-link-format\">reach out to a licensed RBC Insurance advisor<\/a> to review your options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-potential-risks-if-you-re-not-covered-with-boat-insurance\">4 Potential risks if you&#8217;re not covered with boat insurance<\/h2>\n\n\n\n<p>While boating without insurance doesn\u2019t break any federal or provincial laws in Canada, it does come with some very serious risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-risk-1-you-re-personally-on-the-hook-for-liability\">Risk 1: You&#8217;re personally on the hook for liability<\/h3>\n\n\n\n<p>Legal fees and medical bills could, in the event of an accident involving your boat, come out of your own pocket if you don\u2019t have third-party liability insurance. With insurance, the costs associated with injury or property damage resulting from a boating accident may be covered by your insurance policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-risk-2-you-pay-to-repair-or-replace-your-boat-yourself\">Risk 2: You pay to repair or replace your boat yourself<\/h3>\n\n\n\n<p>Avid boaters tend to invest a lot into their boat \u2013 money, time, and effort. Repair costs in the event of a storm, a collision, a fire, theft, or vandalism, often run high. Without the proper insurance coverage, boat owners will pay those costs themselves. Worse, the loss of a boat due to theft or extreme damage means that you\u2019re potentially paying for a new boat all on your own.<\/p>\n\n\n\n<p>Collision coverage and comprehensive coverage for boats and other personal watercraft is designed to prevent policy holders from shouldering these costs and allows them to get back out on the water sooner.<\/p>\n\n\n\n<p>Policy holders who choose collision coverage can rest easy knowing that if their boat is damaged while in the water, while being transported from storage to dock, or even while parked in storage, their plan will help pay for repairs or replacements, even in the case that personal property is damaged in the collision.<\/p>\n\n\n\n<p>Should an insured boat sustain damage due to specific weather events, fire, theft, or vandalism (all considered non-collision events and outlined in the plan) comprehensive coverage ensures that the damage or loss is covered by insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-risk-3-you-can-t-finance-or-dock-your-boat\">Risk 3: You can&#8217;t finance or dock your boat<\/h3>\n\n\n\n<p>Unless you\u2019re buying a boat and paying the full cost upfront, you\u2019ll need boat insurance in order to be approved for financing. Lenders will often want a guarantee that their investment is protected and that they will be repaid in the event of a loss. Marinas, too, typically require that boaters have insurance in order to access their docks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-risk-4-your-home-and-auto-policies-leave-gaps\">Risk 4: Your home and auto policies leave gaps<\/h3>\n\n\n\n<p>While some home and auto policies offer a degree of protection for your boat, there are typically large gaps in coverage. Crucially, if your boat is larger or more powerful than your policy allows for, you won\u2019t be covered at all. Be sure to review your existing insurance policies in order to understand their limitations.<\/p>\n\n\n\n<p>While a standalone boat insurance policy will likely cost a bit more, it often provides far more protection to you and your boat and trailer in instances where your home or auto insurance might fall short. To save money, consider bundling your policies for lower premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-boat-safety-to-prevent-claims\">Boat safety to prevent claims<\/h2>\n\n\n\n<p>With a good boat insurance policy in place, you\u2019ll be covered in the event of accidents or theft. And while peace of mind is worth every penny, prevention through practicing safe boating skills can reduce your chances of having to file a claim. Here\u2019s how to stay safe when you\u2019re out on the water:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Get licenced:<\/strong> Nearly every boater behind the wheel of a motorized boat is required to take a boating safety course, pass the course test, and obtain an Operator Card that proves they have the knowledge and skills to operate their boat safely.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Pack your <\/strong><strong>life jackets<\/strong>: Boat operators should ensure that they have enough life jackets or personal flotation devices for everyone on board \u2013 and that they fit properly and meet Canadian safety standards.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Make sure your boat is properly equipped:<\/strong> Proper boat care and maintenance, including using a pre-departure checklist and keeping a mandatory safety equipment kit on board, goes a long way towards staying safe in the face of an accident or unforeseen weather event.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Leave the drinks on the dock:<\/strong> Like drinking and driving, drinking and operating a boat don\u2019t mix, and both are punishable under Canada\u2019s criminal code.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Watch out for bad weather: <\/strong>Check the forecast before you cast off and keep an eye on the sky for any signs of an approaching storm or sudden squall.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Winterize wisely:<\/strong> Learn how to store your boat properly outside of boating season to avoid damage and potential theft.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Instal<\/strong><strong>l<\/strong><strong> an alarm system:<\/strong> Installing an alarm on a watercraft is essential to protect against sinking, drifting, theft, and onboard fires before minor issues turn into disasters.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n\n\n\n<p>If you\u2019re interested in seeing how boat insurance could benefit you, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" class=\"rbc-link-format\">book a call with a licensed RBC Insurance advisor<\/a>.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel section-ads\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-boat-insurance-quote\">Get Your Free Boat Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive boat insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-43101-476a44f4\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Start My quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A&amp;Lang=EN \">Start My quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/car-insurance\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-43101-8ba4185a\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-12729-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Setting sail without boat insurance can leave you exposed. Learn the top risks of uninsured boating and how proper coverage protects you.<\/p>\n","protected":false},"author":222,"featured_media":43103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false,"_ppma_block_editor_authors":""},"categories":[49],"tags":[],"article-type":[80],"ppma_author":[187],"class_list":{"0":"post-43101","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance","8":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need Boat Insurance? 4 Potential Risks if You&#039;re Not Covered | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Setting sail without boat insurance can leave you exposed. 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