Author: Jane Curtis

What you need to know about the lay-up period

boats-in-a-marina-boat-insurance-lay-up-period

As the glittering summer sun gives way to the blustery winter winds, it’s time to talk about boat insurance and lay-up period. Wondering what happens to boat insurance after your boat gets tucked away for the cold season? Let’s dive in!

The Winter Lay-Up Unwrapped

You know it’s time to lift the anchor on another boating season and prep your vessel for winter. Enter the lay-up period – essentially the boating world’s version of hibernation.

It’s a specific period, some insurance companies recognize, when your boat is out of the water and not being used. This is where the insurance magic happens.

Why Is It Important for Boat Insurance?

Okay, let’s break it down. Have you ever noticed that keeping your boat covered in the off-season can lower your insurance premiums? That’s the winter lay-up perk! When boats are out of the water and safely stored because it significantly reduces the risk of damage, theft, and liability. Insurance companies take this into consideration.

Imagine it like this: You wouldn’t leave your precious vintage car parked on the street in a blizzard, right? Just like that, storing your boat properly over winter reduces potential claims and, consequently, lowers your insurance costs. It’s a win-win situation – your boat gets the break it deserves, and your wallet gets to breathe a little easier.

What do you need to do during the lay-up period?

During the lay-up period, a boater has several important responsibilities to ensure their boat remains covered and in good condition. Here are some key responsibilities:

Properly Secure and Store the Boat: Boats must be taken out of the water and stored in a secure location to prevent damage from weather conditions and other risks. This is commonly known as winterization.
Notify the Insurance Company: You need to inform your insurance provider about the lay-up period. If the boat remains in the water or is used during this period, it may not be covered under the terms of the policy.
Maintain Insurance Coverage: Maintain insurance coverage throughout the lay-up period as policies often cover risks such as vandalism, theft, fire, and winter storms even during the off-season. Some insurers may offer premium discounts during the lay-up period.
Follow Policy Guidelines: Adhere to any specific guidelines laid out in your insurance policy regarding the lay-up period. This might include taking specific steps like removing valuable equipment or ensuring the boat is winterized correctly.
Ensure Proper Maintenance: Conduct routine maintenance checks and keep the boat in good condition to prevent damage over the lay-up period.

Reach out to us for a quote

Now that you’re in the know about winter lay-up and its impact on your boat insurance, why not sail smoothly into the next season with confidence? If you’ve got questions or need a quote to ensure your boat is covered all year round, reach out to us! We’re here to make sure your nautical ventures stay safe and sound, no matter the season.

Drop us a line and let’s talk insurance!

Taking your boat out of the water? Here’s some tips!

boat-launch-taking-your-boat-out-of-the-watter

As autumn begin to settle in it’s crucial to start thinking about getting your vessel ready for the winter, including taking your boat out of the water.

Whether you’re a seasoned boater or new to the scene, here are some key considerations to help you transition smoothly and protect your beloved watercraft until it’s time to hit the water again.

Check Boat Launch Schedules

But before you hitch up your boat and head to the launch, don’t forget to check the hours of operations of the launch and when it shuts down. Most boat launches have their hours posted online or even a quick phone call away. It’s a small step that saves a lot of disappointment.

You should also keep an eye out for seasonal changes or special notices that might affect accessibility. Being informed about the boat launch schedule allows for a smooth and enjoyable boating experience, free of last-minute hassles.

boat-launch-with-two-ramps-on-either-sides-looking-out-at-the-lake-taking-boat-out-of-the-water

Winterizing Your Boat

Winterizing your boat is an essential step that protects it from the harsh effects of freezing temperatures and prevents costly repairs down the line.

Reach out to your marina to see if they offer any winterizing solutions. Many marinas provide comprehensive packages that include engine maintenance, interior preparation, and exterior protection.

Choosing a professional service can save time and provide peace of mind that your boat is ready to withstand winter’s challenges. However, if you plan on winterizing your boat yourself just make sure you’re familiar with the process.

Review Your Insurance Coverage

Don’t forget to verify if your current plan covers possibilities like damage during transport or vandalism while in storage. Ensuring you have the right winter coverage will give you peace of mind until the spring rolls around again.

Consult your insurance broker to ensure you have adequate protection during the winter months. You might want to adjust your policy if your boat will be stored and not in use until spring.

Winter Lay-Up Period

Understanding the lay-up period is crucial. The lay-up period is the period of time people typically don’t use their vessels. The insurance companies will take this into consideration when it comes to your premium. Not all companies have a lay-up period so its important to check if you have one.

Staying within these guidelines is important. Otherwise, you risk invalidating your insurance. If you’re uncertain about how the lay-up period affects your coverage, or if you need to make adjustments, consult with your insurance broker.

Need Expert Assistance? We’re Here to Help!

Remember, you don’t need to become an expert in insurance, that’s what we’re here for! If you don’t have insurance or unsure about what coverages you need, reach out to us.

We can provide a quote or help you understand your existing policy to ensure that everything is in perfect order for the winter months.

Tips and Tricks for Boating with Pets You Should Know

Boating isn’t just for people—our four-legged friends can enjoy the adventure too! Taking boating with pets can be a fantastic experience, but it requires extra preparation to ensure their safety and comfort. Here’s how to make sure your boating trips with pets are smooth sailing.

Preparing for the Voyage

Know Your Pet’s Limits

Not all pets are naturally inclined to enjoy boating. Before planning a trip, consider your pet’s temperament and health. Start with short trips to see how they handle being on the water.

Pack Essential Gear

Just like you have safety gear for yourself, your pet needs some too:

Life Jacket: Invest in a high-quality, pet-specific life jacket. It should fit snugly and have a handle on top for easy retrieval.

Safety Harness: Secure your pet with a harness or tether to prevent them from jumping or falling overboard.

Comfort Items: Bring along your pet’s favorite blanket or bed to make them feel at home.

Create a Safe Space

Designate a specific area on the boat for your pet where they can retreat if they get overwhelmed. This should be a comfortable, non-slip surface where they can relax.

Onboard Safety

Hydration and Nutrition: Ensure you have fresh water and food for your pet. Avoid feeding them a large meal right before departure to prevent seasickness. Small, frequent treats can be a good alternative.

Avoid Overheating: Boats can get hot, especially under direct sunlight. Make sure there’s a shaded area where your pet can cool off. Consider using a pet-friendly sunscreen if your pet has exposed skin or a short coat.

First Aid Kit: Prepare a pet-specific first aid kit. Include items like tweezers, antiseptic wipes, bandages, and any medications your pet might need. Familiarize yourself with basic pet first aid.

Common Concerns and Challenges

When boating with pets, it’s important to be aware of common concerns and challenges to ensure a safe and enjoyable experience. Here’s what you need to know to tackle these challenges effectively.

Seasickness

Just like people, pets can get seasick. Symptoms include drooling, lethargy, or vomiting. If your pet shows these signs, try to keep them calm and minimize their movement. Consult your vet before the trip for advice on managing seasickness.

Overboard Risks

Even with a life jacket, pets can still fall overboard. Ensure they’re always supervised and avoid sudden, erratic movements that could spook them. If they do fall in, stay calm and use the life jacket’s handle to pull them back on board.

Socialization and Training

A well-socialized pet is more likely to enjoy boating. Work on basic commands and gradually expose your pet to boating environments to ease their anxiety.

Enjoy the Journey

Boating with pets can create memorable experiences for both you and your furry friend. Just remember that their safety and comfort are paramount. By preparing properly and addressing potential challenges, you can ensure that your pet enjoys the boating experience as much as you do.

Ready to take your boating adventures to the next level? Whether you’re cruising with your pets or just out for a day on the water, make sure you’re covered with the right insurance.

Boating Etiquette: Unwritten Rules Every Boater Should Know

people-on-boat-following-boating-etiquette

Ever wonder why it feels like you’re navigating through a sea of chaos out there? It’s not just the waves—sometimes it’s the boaters who haven’t quite gotten the memo on boating etiquette.

Imagine the water as one big, floating party where everyone’s invited. To make sure you’re not the one everyone’s secretly hoping will leave, here’s a guide to boating etiquette. Think of it as your cheat sheet to being the most popular captain on the high seas. So, grab your life jacket, and let’s dive into the unwritten rules that’ll keep you cruising smoothly.

Boating etiquette 101

Respect the Right of Way

Respecting the right of way is fundamental to safe boating. Just like on the road, there are specific rules for who has priority on the water.

Powerboats must yield to sailboats and vessels that are manually propelled, such as kayaks and canoes. When approaching another powerboat head-on, you should pass on the right (starboard) side. If you’re overtaking another vessel, do so from their starboard side while maintaining a safe distance.

Clear communication is key—use your horn or lights to signal your intentions, particularly in busy or low-visibility conditions, to prevent misunderstandings.

Keep Your Distance

Maintaining a safe distance from other boats is crucial. This is especially important if you are on a jet ski, if you are following a boat to play in its wake give them ample space. Don’t follow the boat if they are towing anyone, whether it’s tubing, wakeboarding or wake surfing.

Not only does it help prevent collisions, but it also ensures that everyone has enough space to enjoy the water. Avoid creating wakes that could disturb other boaters, especially in crowded areas or near smaller vessels.

Anchor Considerately

When anchoring, make sure you’re not too close to other boats. Always anchor in designated areas and avoid obstructing navigation channels or popular fishing spots. Allow enough space for all boats to swing with the wind or current without the risk of collision. Be mindful of where you drop anchor to avoid blocking navigation channels or disturbing marine life.

Watch Your Wake

Managing your wake is another important aspect of boating etiquette. In no-wake zones, which are often located near marinas, docks, and swimming areas, it’s important to reduce your speed to avoid creating large wakes.

This not only helps prevent damage but also ensures the safety of swimmers and smaller boats. Be mindful of your wake’s impact on others, particularly when passing near boats that are at anchor or operating at slow speeds.

Help Out When You Can

Boating fosters a sense of community, and part of that is being willing to lend a hand when needed. Whether it’s helping someone dock, offering assistance in an emergency, or sharing local knowledge, it can make a big difference.

Small gestures, like assisting with lines or providing directions, contribute to a supportive and friendly boating community. If you notice a boat in distress or someone who might need aid, don’t hesitate to check if they require assistance.

Dispose of Waste Properly

Keep our waterways clean by disposing of trash and waste properly. Never throw trash or other waste overboard; instead, use designated disposal facilities or bring waste back to shore.

Following local regulations for handling and disposing of sewage and other pollutants is essential for maintaining the health of our marine environment.

By being mindful of your waste, you help keep the waters clean and safe for wildlife and future generations.

Be Mindful of Fishing Boats

Fishing boats, whether anchored or trolling, often have lines in the water that can extend some distance from the boat.

Fishing boats often have lines that extend well beyond their vessel, so give them a wide berth to avoid snagging lines or disturbing their catch. If you’re passing through a popular fishing area, proceed slowly and respectfully.

Be Patient and Courteous

Lastly, practice patience and courtesy at all times. A friendly wave, a smile, and a respectful attitude go a long way in creating a positive atmosphere on the water.

In busy marinas or popular boating spots, practice patience by waiting your turn and avoiding rushing or cutting in line at docks or ramps.

Maintaining a positive attitude and showing respect to fellow boaters contributes to a supportive boating community.

Protect Your Boating Experience

At Portside Marine Insurance, we believe that understanding and practicing good boating etiquette not only enhances your experience but also helps keep everyone safe.

If you have any questions about your marine insurance needs or want to ensure you’re fully covered while enjoying the water, give us a call.

Our team is here to help you navigate the ins and outs of boating insurance, so you can focus on what matters most—enjoying your time on the water.

boating etiquette boating rules

3 Things You Don’t Want To Forget When Boating

As June begins, we know we aren’t the only ones eager to get out onto the water. However, there’s somethings to consider before you start boating again.

So, grab your captain’s hat and let’s dive into some essential information on water levels, lock ways and wildfires.

Monitoring Water Levels

Since transition from winter to spring often brings changes in water levels you will want to monitor them to avoid hazards, such as submerged obstacles and shallow areas

Keep in mind that even familiar routes can change with shifting water levels, especially shallow areas or when docking your boat. So, exercise caution when navigating your favorite waterways.

Navigating Locks

If you plan on crossing boat locks this summer its important to check their hours of operation, the cost (typically there’s a 1-way permit, 6-day permit and season permit) and if its under maintenance.

Don’t forget to plan your routes accordingly, factoring in the time it takes to pass through locks and any potential delays. Give yourself enough time to get through the lock before they close.

Additionally, stay updated on any temporary closures or changes in operation hours, which can impact your travel plans.

Wildfires and Boating

With last year’s record-breaking number of wildfires it’s important to know what to do if you are in an area close to an active wildfire. Here’s some quick tips:

Avoid getting close to waterbombers and other aircrafts that are fighting an active wildfire. They need plenty of space to scoop up water.
Check local advisories to see if there’s any restrictions (boating or otherwise). Stay informed on the current situation in your area.
Check the coverage on your boat’s trailer & have a back up plan on how to get your boat out of the water! Last year a lot of boat trailers burned while the boat was in the water and left people trying to figure out how of get their vessels out of the water at the end of the summer.

For more information and how to stay informed check out our blog on wildfires and boating.

Review Your Insurance Coverage

Before you go to put your boat in the water, take a moment to review your boat insurance coverage. Make sure that your insurance policy is up-to-date and gives you adequate protection for your boat, passengers, and liabilities.

Spring is an excellent time to reassess your insurance coverage needs and make any necessary adjustments.

From monitoring water levels to reviewing insurance coverage, we’re here to help you! So, whether you’re a weekend cruiser or a seasoned sailor, our team will provide guidance every step of the way. Contact us for a quote or more information.

What You Need To Know About Wildfires And Boating

boats-in-water-during-Canadian-wildfire-season

In 2023, we saw more than 6100 wildfires across Canada during a record-breaking wildfire season. As we gear up for another season on the water, here’s some essential tips to navigate wildfires safely.

The Canadian Wildfire Season

Typically, wildfire season in Canada is from April to October and caused by droughts, dry land and lightning strikes. However, most spring wildfires are accidentally caused by people.

In recent years, the impact of climate change has increased these risks. Leading to longer fire seasons, more frequent lightning strikes, and drier conditions that are favourable to cause a fire.

people-pointing-at-map-preparing-for-boating-trip

Preparation: A Boater’s Best Defense

Preparation is key to safely navigating wildfire season while enjoying Canada’s waterways. Here are some essential steps to consider before you go boating:

1. Stay Informed

Check for wildfire alerts, weather forecasts, and boating advisories issued by relevant authorities. For example:

The Canadian Wildland Fire Information System (CWFIS)
Environment and Climate Change Canada (ECCC)
Transport Canada.

2. Create a Safety Plan

Develop a comprehensive safety plan that includes;

Evacuation routes
Emergency contacts
Communication protocols
Contingency measures in a wildfire

Ensure all passengers are familiar with the plan and know their roles and responsibilities in case of an emergency.

3. Prepare Your Vessel

Stock your boat with essential safety equipment like;

Fire extinguishers
Smoke detectors
First aid kits
Emergency signaling devices
Make sure you have proper insurance coverage.

4. Monitor Conditions

Keep an eye out for signs of smoke, haze, or unusual weather patterns that may indicate a wildfire is nearby.

Be prepared to change your route or seek shelter in a safe location if conditions deteriorate rapidly.

Tips for boating during wildfire season.

In case your boat trailer burns, have a plan on how to get your boat out of the water.
Follow regulations and restrictions from first responders and local authorities
Comply with any waterway restrictions in effect
Stay away from water bombers, airtankers and helicopters – they need plenty of room to collect water and can’t when a boat is blocking the path.
Report if you see the start of a wildfire.
Check your insurance coverage is adequate

Things to Avoid During Wildfires

Here are some things to avoid while boating during wildfire season;

Open Flames

Refrain from using open flames on your boat or on shorelines near wooded areas. For example, campfires, grills, or lanterns.

Disposing Flammable Material Improperly

Ensure flammable materials (like cigarette butts) are fully extinguished and properly disposed of. Avoid tossing them overboard or onto dry plants, where they could spark a wildfire.

Ignoring Wildfires Safety Advisories

Respect any boating restrictions, closures, or evacuation orders issued by authorities. Ignoring these advisories not only jeopardizes your safety but also puts an unnecessary strain on emergency responders.

Resources For Boaters To Stay Up-to-Date On Wildfires

Here’s some resources to help them navigate wildfire season safely and stay up to date on information:

Canadian Wildland Fire Information System (CWFIS)
Environment and Climate Change Canada (ECCC)
Transport Canada
Local Authorities and Emergency Services

Together, we can navigate wildfire season with caution and enjoy summertime on the water. For more information or to get a quote for boat insurance.

4 Tips For A Better Boat Launch

boat-launch-with-two-ramps-on-either-sides-looking-out-at-the-lake

With summer right around the corner, boaters across Canada are gearing up for the much-awaited boat launch season. But before you set sail, it’s essential to ensure a smooth and hassle-free experience launching your boat. Here are some valuable tips to help to guide you through the essential steps to prepare for this upcoming boat launch season.

Finding a Boat Launch Near You

The first step in preparing for the boating season is knowing where to start. If you are storing your boat at a marina, you can contact them about boat launching services or search for public boat launches. Don’t forget to check:

Opening dates of the boat launch
Hours of operation for the boat launch
That the boat launch has a dock that is functional and in good condition for you to tie up your boat
See if you have anyone available to help you (You can do it by yourself but it’s easier with two people)
The weather forecast for the area you are launching your boat

Remember, early preparation can save you time and avoid unnecessary delays on launch day.

front-of-boat-tied-to-dock-at-boat-launch

Tips for a Stress-Free Launch

Launching your boat can be a daunting task, especially for novice boaters. Here are some tips to help you navigate the process smoothly:

Familiarize yourself with the launch ramp and its layout before arriving.
Prepare your boat and trailer’s conditions in advance, ensuring everything is in proper working order.
Use proper safety equipment, such as life jackets and dock lines, during the launch.
Take your time and remain calm, especially during busy periods at the launch ramp.
If it’s your first time launching a boat review how to launch a boat.

Understanding Your Marine Insurance Coverage

As you prepare for a summer of boating, it’s crucial to consider your marine insurance coverage. Take a moment to review your policy and understand the extent of your coverage.

Are you protected against accidents, theft, and liability claims?
Do you need to update your coverage or make any changes before hitting the water?

Reach out to us for a quick quote or to check your coverage options – we’re here to help!

boat-tied-to-dock-at-boat-launch-looking-out-at-lake

Stay Informed and Prepared

Keep yourself informed about any updates or regulations in the boating industry that may affect your plans. Stay updated on weather forecasts, water conditions, and any local boating advisories. Being prepared and aware of your surroundings is key to a safe and enjoyable boating experience.

As you gear up to launch your boat remember to prioritize safety, preparation, and peace of mind. Whether you’re a seasoned sailor or a novice navigator, following these tips will help you make the most of your time on the water.

Reach out to us for any questions or concerns about your marine insurance coverage – we’re here to support you every step of the way. Don’t forget to follow us on social media for more updates and helpful tips for boaters in Canada!

How to get your Boating License in British Columbia

Anyone who has visited British Columbia has seen the stunning natural beauty of its coastline and lakes. It is the perfect spot to go boating, with locals and visitors alike enjoying endless days on the water. Speed boats, sailboats, jet skis, kayaks, and paddleboards all fill the waterways, it’s a boating paradise for everyone.

Looking to join in on the action, then you will need to get your BC boating license or Pleasure Craft Operator Card (PCOC) as they also call it. Good news! This is a one-time thing and your boating license never expires or needs to be renewed. You can get your boating license in just a few easy steps and go boating today!

Reasons to Get Your Boating License

One of the main reasons to get your Pleasure Craft Operator Card (PCOC) in British Columbia is that it’s the law. Anyone operating a boat in British Columbia or any province in Canada is required to have proof of competency which is the PCOC.

You won’t regret getting your boating license as the information you will study in the online course will help you understand the rules of the water and make you more confident when operating a boat.

Step 1: Finding a Boating License Provider

The first thing you want to do is choose a boating license provider that is Transport Canada-approved. Otherwise, all your studying will be for nothing unless the company has been accredited by Transport Canada.

Once you have chosen a provider, you will want to register to take their online boating safety course. The boating safety course generally takes a minimum of 3 hours to complete, this is the mandatory minimum study time set by Transport Canada.

The course is broken up into 5 chapters with a small multiple-choice quiz at the end of each chapter. You have up to one year to complete the course from once you have registered, so there is no rush – you can log in and out of the course and your progress will be saved.

Step 2: Take the Exam

After you have completed the course, it’s then time to take the online Transport Canada Pleasure Craft Operator Card exam.

The exam consists of 50 multiple-choice questions and you must get 38 out of 50 correct to pass the exam (78%). It is an open-book exam so you can always refer back to the course if you get stuck.

Don’t worry if you fail, you can retake the exam free of charge. If you fail the exam for the first time, you must wait for 24 hours before attempting to retake the exam again. Keep in mind that if you do fail the exam a second time, Transport Canada requires you to retake the boating safety course again (at no extra cost) before attempting the exam for the third time.

Step 3: Getting a Temporary Card

Once you have passed the Transport Canada exam you will immediately be able to print your temporary Pleasure Craft Operator Card at home and go boating straight away. This temporary PCOC, which is valid for 60days, allows you to get out on the water while waiting for your permanent PCOC to arrive in the mail. Make sure to keep this temporary PCOC with you while out on the water.

The boating license provider will mail out your permanent Pleasure Craft Operator Card to you within 1 week. Make sure whenever you are boating that you have your PCOC on board. The fine in British Columbia for not having a Pleasure Craft Operator card on you while operating a boat is $250.

Hopefully this helps you understand the pretty simple process of getting your boating license in British Columbia. Good luck and hopefully we will see you out on the water one of these days, enjoying the warm weather.

Don’t forget you are going to want to make sure you have boat insurance to protect your investment and ensure you get to create plenty of happy memories out on the water.

Click here to get a competitive quote with us that will give you peace of mind on the water.