What does off-road vehicle insurance cover?
What is off-road vehicle insurance?
After you leave your property, your homeowners’ insurance does not provide much coverage for your off-road vehicle, such as a snowmobile, golf cart or ATV. Your vehicle insurance probably will not cover you if you take your car off road.
Do you need off-road vehicle insurance?
If you have an off-road vehicle or take your car off roading, you need off-road vehicle insurance to cover you if there is an accident.
Off-road vehicles require insurance by law. For example, in BC, there is a minimum insurance requirement of $200,000 liability.
Types of vehicles off-road vehicle insurance covers
Off-road vehicle insurance can insure:
- All-terrain vehicles
- Dirt bikes
- Snow bikes
- Home builts
- Trikes and three wheelers
- Dune buggies
- Golf carts
- Property damage
What does off-road vehicle insurance cover?
Property damage liability coverage can cover repairs to another person’s property if it is damaged in an accident involving your off-road vehicle.
- Bodily injury
Bodily injury liability coverage may help with someone else’s medical bills if you are found liable for the accident they were injured in.
- Collision coverage
Collision coverage may help cover the cost of repairing damage to your vehicle from a collision.
- Comprehensive coverage
Comprehensive coverage insures your off-road vehicle for damage caused by circumstances other than a collision, such as theft or hail.
- Accident benefit coverage
If you are injured in an off-road vehicle accident, the costs associated with your injury will be covered regardless of who was at fault.
How does off-road vehicle insurance work?
Make sure to read your policy and understand how it works so you are prepared if you do need to use it.
- Know your coverage limits
Get a policy that has coverage limits that work for you.
- Know what your deductible is
Before insurance will help pay for a claim, you will have to pay your deductible. Choose a policy that has a deductible that is reasonable for you.
- Ask for discounts
You may qualify for a discount on off-road vehicle insurance if you are a member of a club or already have another policy through your insurer.
