Watercraft and Boat Insurance in Whitby

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Watercraft and Boat Insurance With Oracle RMS

If you want to kick back and relax on the water during boating season, having solid boat insurance is key. A great policy covers everything from your boating gear and personal items to legal fees and any damage you might accidentally cause to someone else’s property. It’s important to have insurance that matches your needs as a boat owner. Why not partner with a trusted boat and watercraft insurance company like Oracle RMS in Vaughan? We’ve got your back.

At Oracle RMS, we’re all about crafting custom boating insurance plans for Ontario boaters. We understand that everyone has different insurance needs, so we tailor our plans to fit you perfectly. If you ever need to make a claim, don’t worry—our licensed experts will take care of everything for you, ensuring the process is smooth and hassle-free. That way, you’ll be back enjoying the water in no time.

What does boat insurance cover?

Standard boat and watercraft insurance policies usually have you covered for a lot of different situations. They’ll help out if your boat gets stolen or damaged in a collision. If someone gets injured on your boat, the policy can handle liability issues. And if your boat needs repairs, the insurance can cover the cost of renting another one in the meantime. They also take care of emergency towing expenses. Plus, any personal items you have on board, like life jackets, water skis, and fishing gear, are also covered.

Our watercraft insurance policies

At Oracle RMS, we offer various boat insurance options to fit your needs:

Get a free quote for Watercraft and Boat Insurance with Oracle RMS today!

Liability Insurance:

If you accidentally hurt someone or damage their property with your boat, this insurance helps pay for those damages.

Broad Navigational Territory:

This insurance covers you while you’re boating in Canada, the United States, and some parts of the Caribbean, depending on your policy.

Watercraft Medical Coverage:

This coverage helps with medical expenses if you’re injured while on your boat or getting off it.

Emergency Towing and Loss of Use:

If you find yourself stranded on the water, this insurance covers the costs of rescue and towing, as well as repairs. It also pays for a rental boat if yours is being fixed.

Accidental Pollution Liability:

Keeping our waters clean is crucial. If you accidentally release harmful substances into the water, this coverage assists with the cleanup costs.

Uninsured Watercraft Insurance:

If an uninsured boater causes an accident that injures you or your guests, this coverage will help pay for those damages.

Insurance for all types of watercraft!

Here at Oracle RMS, we offer insurance for boats of all different types and sizes, including:

  • Fishing boats
  • Sail boats
  • Yachts
  • Jet skis or Sea doos
  • Catamarans
  • and more!

Get custom-tailored boat insurance with Oracle RMS

Whether you have a cozy little boat or a grand yacht, we understand that each boat and its owner are one of a kind. At Oracle RMS, our insurance brokers are dedicated to crafting insurance plans that are tailored just for you. With years of experience under their belts, our expert brokers will work closely with you to find the perfect policy that lets you relax and enjoy the water. Whether you’re zipping around on a jet ski, casting lines from a fishing boat, or cruising in a sailboat or yacht, we’ve got the coverage you need.


How much is boat insurance in Ontario?

Insurance rates for boats and personal watercraft can vary quite a bit, but it’s safe to assume you’ll pay about 1.5% of your boat’s value. For example, it might cost up to about $1,500 a year for a boat valued at $100,000. Several factors can affect these rates, like the size of your boat and its motor, how much your boat is worth, your boating experience, where you keep it, what safety features it has, and how far you travel with it.

What type of watercraft and boat insurance are there in Whitby?

In Whitby, you can find various types of boat insurance, including coverage for personal watercraft like jet skis, small boats, fishing boats, sailboats, and yachts. These policies can cover damage to the boat, liability if someone gets hurt, and other specific needs like towing and pollution cleanup.

Is boat insurance taxable in Whitby?

Yes, boat insurance is subject to tax in Whitby. When you buy a boat insurance policy, you’ll need to pay sales tax on the premium.

The Right Coverage For You

At The Best Price

Get Your Free Insurance Quote with Oracle RMS Today

Get your free quote for Watercraft and Boat Insurance in Whitby, today!

Words From Our Customers

“I’ve used Oracle RMS for my car insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my car insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
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“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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