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COVID-19

Keeping you up to date

Updated July 2, 2021

As of July 5, 2021 our physical office has re-opened to the public.

All of us at MD Marine Insurance Insurance are committed to providing our community with the best possible service, with full availability in person, 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 by setting clear in-office protocols to ensure that we are keeping everyone safe.

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 877-627-4633. We are available Monday to Friday from 8:00 am to 8:00 pm EST.

Answers To Frequently Asked COVID-19 Insurance Questions

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.

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.