What you need to know about off-road vehicle insurance in British Columbia
Off-road vehicles offer a unique way to explore British Columbia, but they also come with risks that require the right insurance. Whether you ride a high-performance snowmobile through winter trails or use a side-by-side for summer adventures, protecting your off-road vehicle is essential. Many of these machines can be a significant investment, and having proper coverage helps safeguard you from damage, theft, and unexpected accidents. Our advisors can help you choose the off-road vehicle insurance that best fits how and where you ride.
As long-standing insurance experts in BC, we understand the wide range of off-road vehicles and riding styles across the province. From navigating Rocky Mountain snowmobile routes in the winter to exploring Okanagan trails on warm summer evenings, every rider has different needs. We are here to make sure you have the protection that matches your terrain, your vehicle, and your experience level.
Protecting yourself, your family, and your investment is always important. Our insurance specialists are ready to guide you through your options so you can ride with confidence and peace of mind.
Why Choose Westland?
We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert auto insurance advisors get to know you, so that they can tailor a policy to your exact needs.
We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.
Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, click here.
What types of off-road vehicles can be insured?
- Snowmobiles
- All terrain vehicles
- Snow bikes
- Three wheelers and trikes
- Dirt bikes
- Dune buggies
- Home built
Do all off-road vehicles need to be registered with ICBC?
No. If the off-road vehicle is solely operated on private property, it doesn’t need to be registered, however it’s always recommended to have liability coverage at the least. If the vehicle is operated on public land in BC, it needs to be registered.
What’s included in a basic off-road vehicle policy?
Under a basic policy, you receive $200,000 in third party liability. The main difference between a car insurance policy and an off-road vehicle policy is that you don’t automatically receive coverage for theft, damage, or injuries. This needs to be added in addition to your basic policy through ICBC or through extension coverage offerings. Connect with us to learn more about your options when insuring your off-road vehicle.
What coverages are available for off-road vehicles?
We’ve said it once, and we’ve said it again, is the basic liability limit enough if the unexpected happens? With extension coverage options, you can beef up your liability limit to mitigate potential out of pocket expenses.
If an accident occurs out on the trail and your machine is damaged, this coverage will repair damages after paying your deductible.
We never want to imagine a situation where we need to utilize accident benefits, but those expenses can add up if you are in an accident. Accident benefits cover the costs of various expenses if an accident occurs.
Let’s be honest; it’s not just the vehicle that can be pricey. Your gear can add up quickly. If you and your riders have gear, it’s important to look into riding gear coverage.
What does off-road vehicle insurance cost?
The value of your off-road vehicle, accessories, location, and use will impact your premium. Your driving record will also affect your premium. And of course, the optional coverages and deductibles you select will also play a role in the cost.
Review Your Insurance and Get a Quote with Westland
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect motorcycle insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your off-road vehicle coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!
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