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Marine Insurance for Boating on Clearwater Lake

Navigate the beautiful waters of Clearwater Lake with the right boat insurance.

The importance of boat insurance on
Clearwater Lake

Boating on B.C.’s Clearwater Lake isn’t without risk. Boat insurance protects you, your passengers, and your boat. It provides you with needed financial protection when the unexpected happens.

Here’s why you need boat insurance:

  • Boat insurance protects you against an accident, injury, or death liability
  • Property damage
  • Theft, vandalism
  • Boat insurance protects you against a fire on your boat
  • Severe weather
  • Accident with uninsured/underinsured boat
  • Boat insurance can help cover legal fees, medical expenses, and property repairs or replacements

Marine insurance isn’t mandatory for boating on Clearwater, but B.C. marinas can require it for mooring.

It’s recommended that you have $3 million in liability insurance coverage as part of your marine insurance to protect yourself as a boat owner in British Columbia.

Here’s what you need to know about boating on Clearwater Lake:

Where is it?

Clearwater Lake is one of six large lakes in Wells Gray Provincial Park in east-central British Columbia.

The district of Clearwater is 124 kilometres north of Kamloops and it’s one of the newest municipalities in B.C. It’s near Wells Gray Provincial Park and is surrounded by the Trophy Mountains, Raft Mountain, and Dunn Peak.

What’s there to do on Clearwater Lake?

There’s boating, canoeing, kayaking, fishing. Personal watercraft are not allowed on Clearwater Lake.

Boat tours and guided canoeing trips are available.

There’s also a boat launch at the south end of Clearwater Lake. It’s about 70 km from Highway 5 in Clearwater.

How fast can my boat go on Clearwater Lake?

It’s important to obey all posted speed and vessel restrictions on the lake to promote safety and to protect the lake's ecosystem and shoreline.

Park staff patrol the lake daily.

What’s there to do at Cultus Lake?

You can rent a boat, stand-up paddleboard, or bring your own kayak, powerboat, or sail to enjoy Cultus Lake. Water skiers and jet skiers can also enjoy this lake.

Did you know?

Wells Gray park, where Clearwater Lake is located, is known as Canada’s waterfall park due to its 41 waterfalls. Helmcken Falls, Spahats Creek Falls, Dawson Falls, and Mushbowl Falls are among its well-known falls.

Is there any fishing?

You can fish for Rainbow trout. Due to its large shoal area, Clearwater Lake is considered a good place for fly fishing.

You must have a valid B.C. fishing license to fish on the lake.

Is there swimming?

Yes, there’s swimming at Clearwater Lake and you’ll get great views.

What about camping?

There’s front-country camping at Clearwater Lake Campground and there’s also back-country camping.

From a boat launch at the south end of Clearwater Lake, canoeists, kayakers, and motor-boaters can access 16 campsites.

How do I safely dock my boat?

  1. Always approach the dock slowly, whether you’re at a harbour, marina, or a private dock. Waves caused by a higher speed may disrupt other boaters.
  2. Approach the dock from the right angle. The ideal angle of approach is around 30 degrees. When your boat is within 10 metres of your docking point, shift into neutral and let your momentum carry you to the dock.
  3. Just before your boat touches the dock, turn its steering wheel so that the boat is positioned parallel to the dock.
  4. Once your boat is no longer moving, tie the mooring ropes at the bow and stern to the cleats on the dock.

Tips for safe boating on Clearwater Lake

  • You need an appropriate, approved life jacket for each person on board your boat.
  • Know the area where you are boating and be aware of any hazards, such as rocks or logs.
  • Do not drink or do drugs when boating. Both can impair your judgment.
  • Have a bailer or manual bilge pump on board
  • Have a paddle on board
  • Have a sound signaling device (whistle) and flares
  • Have a magnetic compass
  • Have a watertight flashlight if you are operating your boat at night
  • Be aware of the heat and say hydrated
  • Check the weather forecast
  • Make sure someone knows where you are going and when you will return to shore.

Why choose Western for your B.C.
boat insurance?

Expertise

We are a leading Canadian insurance broker that works with our insurance partners to get you the best coverage options to protect your boat.

Competitive pricing

We offer competitive pricing to get you B.C. marine insurance at the best value for you.

Customer service

We are committed to providing excellent customer service and we are always available to answer any questions you may have about your boat insurance needs in British Columbia.

Convenience

We offer a range of online, phone, and in-person services, making it easy for you to get the B.C. marine insurance policy you need and to make changes as needed.