Off-road vehicle insurance for Newfoundland and Labrador trails, terrain, and seasonal use
Off-road vehicles can create different risks than a car or motorcycle, especially when they are used on trails, public land, coastal routes, rural property, seasonal terrain, or stored for part of the year. Newfoundland and Labrador riders may need coverage for liability, collision damage, theft, fire, Accident Benefits, damage to the vehicle, riding gear, accessories, trailers, and seasonal storage.
The right policy depends on the type of off-road vehicle, how it is used, where it is stored, who rides it, whether it is trailered, whether it is used on public land, and what optional coverage is selected. Westland helps Newfoundland and Labrador owners compare off-road vehicle insurance options, understand coverage limits and exclusions, and choose protection that fits the machine, rider, 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
- Snow bikes
- Three wheelers and trikes
- Dirt bikes
- Dune buggies
- Home built
Do all off road vehicles need to be registered in Newfoundland & Labrador?
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 Newfoundland & Labrador, 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. 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.
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!
Protect your off-road vehicle before the next ride
Whether you ride an ATV, snowmobile, snow bike, dirt bike, side-by-side, dune buggy, or other off-road vehicle, Westland can help you compare Newfoundland and Labrador coverage options for liability, damage, theft, fire, Accident Benefits, accessories, riding gear, trailering, storage, and seasonal use.
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