Off-road Vehicle Insurance is a type of auto insurance that covers off-road vehicles. It provides financial protection and reimbursement against collision or other mishaps, including car replacement or repair, medical bills, and even legal charges. For Canadian off-road enthusiasts, we can even include rescue benefits and other coverage into our custom insurance package.

Off-Road Vehicle Insurance is made to cover your vehicle, riding liability, and any damages to your riding gear, trailer, or truck deck. Whether you employ your vehicle for recreational purposes on the holidays or rely on it to help you complete tasks around your property, Off-Road Vehicle coverage is an affordable method to safeguard your vehicle while riding or in storage.

Unlike a standard car insurance policy, Off-Road Insurance is not required in all regions. However, most province mandate some coverage, such as provincial or municipal parks, and may be required if you drive it on public property.

Your bank may also need insurance coverage if you finance the purchase of your off-road vehicle from a manufacturer.

After an accident on the slopes, Off-Road Insurance cover can protect you from out-of-pocket expenses. Coverage typically consists of the following protection:

• Collision Protection: This covers the expense of repairs and maintenance if your vehicle collides with a barrier, downed tree, or other off-road vehicles.
• Bodily Injury Liability Insurance: This coverage will cover the injured party’s medical expenses if you cause an accident and are held responsible for their injuries.
• Optional Equipment Coverage: If you tow trailers, decks, sleds or other ORV accessories, Optional Equipment Coverage will protect them against losses or damages.
• Comprehensive Protection: Comprehensive protection covers events beyond your control when your motor vehicle sustains damage other than an accident. For example, comprehensive insurance can contribute to the cost of replacement or repair if storms damage your ATV or if your vehicle hits an animal.

However, following a valid claim, you must pay your deductibles before your insurance contributes to the maintenance cost of your off-road vehicle. Additionally, coverage restrictions will be in effect, so evaluate your policy carefully to understand the extent of the insurance.

The Off-Road Insurance cost can vary based on factors including:

• Applicant Details
• Claims History
• Deductibles
• ORV Specifics & Upgrades
• Policy Terms and Limits
• Specified Coverage
• Traffic Violation History
• Vehicle Value
• and more

Complete your online application and get a free quote within minutes! It does not cost anything or require you to proceed with the coverage once a quote is provided.

Off-Road Vehicle Insurance can cover a wide range of ORVs, including the following:

• ATVs
• Custom Builds
• Dirt Bikes
• Dune Buggys
• Quads
• Snowmobiles
• Snow Bikes
• Trikes