It might surprise you to know, but recreational vehicles often fall out-of-bounds from standard automobile insurance, and that’s caught many people off guard. It can be dangerous (and often criminal) to operate these vehicles without proper insurance, so you need to make sure that you’re covered on all your recreational vehicles.

From RV’s and ATV’s to motorcycles and campers, Link Insurance can find you the best policies and rates pertaining to recreational vehicles. Get in touch with us, and we’ll take care of everything.

Do you own a boat or watercraft?

Chances are that if you know the difference between port and starboard, you are not a novice when it comes to boats.  However, deciphering insurance terms and conditions can be confusing no matter how much boating experience you have.

Whether you own a jet-ski, runabout, cabin cruiser, sailboat or yacht, watercraft operation is a risk that needs protection just like your home or vehicle.

At Link Insurance we try to find the right options and alternatives to provide you with the best coverage possible for all your important assets including a wide variety of watercraft.

Liability

Watercraft operators are liable for any physical damages to property or bodily injury due to the operation of their boat on water or while transporting it on land.  Many companies will base their premiums on your driving record.

Physical Damage Coverage

Depending on whether you choose to insure your boat as an addition to your homeowners policy or on a separate boat policy, there are two methods of determining the value of your boat, motor(s), equipment and trailer in the event of  a total loss.   Agreed Value is determined by the purchase price or a marine survey. Actual Cash Value is settled on the basis of replacement cost less depreciation).

All Risk and Exclusions/Restrictions

Some of the most common exclusions and restrictions include:

• Ice and freezing damage
• Lay-up restrictions (no coverage from fall to spring)
• Theft and vandalism restrictions
• Racing use

Navigational Limits

Insurance premiums are based on navigational limits or areas of usage such as inland lakes or coastal waterways. Towing coverage is an optional coverage.

Personal Property Coverage

Personal Property coverage is available as an option  and can include water sport equipment , fishing equipment, and in the case of cabin cruisers, sailboats and yachts, any personal items that are kept onboard.

Boating Safety

As lakes and coastal areas become more crowded with watercraft, it is important to familiarize yourself with boating regulations and safety regulations.  Operators must have a Pleasure Craft Operators Card and Personal Flotation Devices for both adults and children are mandatory.  You may qualify for discounts for depth sounders, GPS,  marine compass, automatic bilge pumps, fire extinguisher, alarm systems or Canadian Power & Sail Squadrons Membership.