Off-Road Vehicle Insurance – Ontario
Are you more of a snowmobile or side by side person? Whether you have a need for speed on a high-performance snowmobile that brings endless fun in the winter or have a utility side by side vehicle that you take out on the trails on summer evenings, off-road vehicles need the right coverage. Some off-road vehicles can be just as much of an investment as a vehicle out on the road, so it’s vital to protect that investment. Let us help navigate what off-road vehicle insurance is right for you.
As your local insurance experts, we know that each off-road vehicle in Ontario is unique in its own way. From those riding the beautiful Lake of the Woods trails in the winter to those riding through the trails along the Great Lakes and all other off-road vehicle use in between, we’ve got you covered.
We understand it’s vital to protect what’s most important to you and your family. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on what’s important in your life.
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?
- All terrain vehicles
If you own or plan on purchasing any of the following please contact your broker as finding coverage may be a bit for challenging for these types of off-road vehicles:
- Snow bikes
- Three wheelers and trikes
- Dirt bikes
- Dune buggies
- Home built
Do all off-road vehicles need to be registered in Ontario?
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 Ontario, it needs to be registered.
What’s included in a basic off-road vehicle policy?
Under a basic policy, you receive $1,000,000 in third party liability. This needs to be added in addition to your basic policy through your current policy provider 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 what options are available to you for make sure you have the proper 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!