Summer toys, serious protection: why boats and ATVs need more than just a tune-up
Summer in Canada is short, but it’s sweet. There’s nothing like pulling the boat out of storage or firing up the ATV for the first ride of the season. Whether you’re chasing sunsets on the lake or exploring backcountry trails, these summer toys bring freedom and risk.
The fun comes with responsibility
While you’re thinking about fuel, life jackets, and trail snacks, there’s something else you should check off your list, insurance. Boats and ATVs are more than just toys. They’re investments. And without the right coverage, you could be left paying out-of-pocket if something goes wrong.
That’s where boat insurance and ATV insurance come in. Both protect you from the financial hit of accidents, theft, or damage. Without them, one small mishap could ruin your summer and your wallet.
Will your current insurance cover it?
Many Canadians assume their home or auto insurance extends to these types of vehicles. The reality? Coverage is often limited or missing entirely.
Here are a few gaps you might not expect:
- Limited trailer coverage while transporting your boat or ATV.
- No coverage for off-road use on public trails or forest service roads.
- No protection for fuel spills, environmental damage, or third-party liability.
That’s why dedicated ATV insurance and boat insurance are essential before you hit the water or the trail.
What the right coverage looks like
Protect your summer fun with coverage designed for boats and ATVs. Look for policies that include:
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- Physical damage coverage – Repairs or replacement if your toy is damaged.
- Liability coverage – Protection if someone else gets hurt or their property is damaged.
- Comprehensive coverage – Fire, theft, vandal, and weather-related damage while in storage or transport.
- Seasonal options – Coverage that flexes with your summer schedule, so you’re not paying for protection you don’t need in the off-season.
Why Westland?
We offer expert advice on boat insurance and ATV insurance across Canada. Our team understands local rules, risks, and trail systems. We’ll help you find the right coverage, at the right price, with claims support when you need it most.
Let’s get you summer-ready
Before you tow, launch, or ride—talk to us first. We’ll make sure your summer toys are covered, so your only worry is where the trail or tide takes you next.