From Cracked Engines to Curious Critters: Lessons from Aviva’s Marine Experts
From common boat claims to expensive boat owner oversights, these are insights brokers can use. Aviva’s NauticLife boat insurance provides customers and brokers with comprehensive solutions.
Behind every Aviva boating claim is the Marine Assessment Unit, a three‑person team of experts with deep industry knowledge. They share key insights brokers should know, including common claims, surprising coverage, and an endorsement customers shouldn’t overlook.
A common boat claim: Improper winterization
Every spring, the unit reviews numerous cracked engine claims.
“In many cases, winterization damage is easy to identify. It typically happens when engines aren’t winterized correctly or at all. We often receive claims from vendors who aren’t aware this type of damage isn’t covered,” says Aviva Marine Assessment Specialist Don Sendall.
Educating new boaters is critical. “After Labour Day, boaters should monitor temperature drops and schedule service early. Waiting for one last fall run can lead to costly engine repairs next season,” Sendall adds.
“Policies are restrictive when it comes to freezing losses. Proper maintenance leads to a better overall experience and fewer unfortunate losses,” says Shawn McKone, Senior Manager, Technical Lead, Lifestyle Department.
Another claim cause: Expired engines
Another frequent claim involves engines that suddenly fail.
“Some claims are covered, but most aren’t. It’s usually an older motor with an internal failure—that’s part of owning something mechanical,” says Sendall. Engines 15–20 years old are expected to break down, sometimes catastrophically. Annual maintenance with a qualified technician remains the best defence.
Did you know? Critter damage may be covered
Discovering raccoons under shrink wrap is a common spring surprise.
“Boats are warm, enclosed spaces—ideal nesting spots. The biggest challenges are repairing chewed upholstery and cleanup,” says Sendall.
While many policies exclude animal damage, Aviva’s NauticLife policies include raccoon damage coverage – often surprising brokers and customers.
Biggest caution: Navigational limits
One of the most important questions brokers should ask is where customers plan to operate their watercraft. Traveling beyond navigational limits can leave vessels uninsured, especially for snowbirds heading south.
“If overlooked, a vessel could be uninsured without the owner realizing it. Given the potential loss, it’s critical to avoid this,” says McKone.
Coverage you can count on
Aviva’s NauticLife boat insurance offers protection for all kinds of pleasure craft.
For more information about NauticLife and our other Lifestyle products please visit Aviva.ca
