Off-road vehicle insurance for Manitoba trails, seasons, and MPI coverage needs
Off-road vehicles can face different risks depending on where they are used, how they are stored, and whether they are operated on private property, trails, or public land. Manitoba riders may need coverage for snowmobiles, ATVs, side-by-sides, dirt bikes, dune buggies, liability, collision damage, theft, fire, vandalism, accident benefits, riding gear, and seasonal storage.
Basic off-road vehicle coverage may not automatically protect against theft, damage, or injuries, which makes extension coverage an important review point. Westland helps Manitoba riders understand MPI registration requirements, compare coverage options, and choose protection that fits the vehicle, terrain, season, and budget.
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
- Three wheelers and trikes
- Dirt bikes
- Dune buggies
- Home built
Do all off-road vehicles need to be registered with MPI?
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 carry liability coverage at the least. If the vehicle is operated on public land in Manitoba, it needs to be registered.
What’s included in a basic off-road vehicle policy?
Under a basic policy, you receive $500,000 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 MPI 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.
On the other hand, physical damage resulting from theft, vandalism or fire will be covered under comprehensive benefits.
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.
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Protect your off-road vehicle before the next ride
Whether you ride a snowmobile, ATV, side-by-side, dirt bike, dune buggy, or another off-road vehicle, Westland can help you review coverage for liability, damage, theft, fire, accident benefits, riding gear, storage, and seasonal use.
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