Off Road Insurance in Ontario

Tuesday February 13, 2018

All-Terrain Vehicles (ATVs) and snowmobiles allow you to explore the great outdoors in a thrilling way. However, a significant mistake that most owners of ATV and snowmobiles make is assuming their auto insurance or homeowner’s policies cover these recreational vehicles. Without adequate Off Road Insurance, you will expose yourself to unnecessary personal liability.

Snowmobile Insurance

If you love riding your snowmobile when the snow falls, you should definitely consider getting a snowmobile insurance. Accidents do occur, and that’s why you need protection from financial risk.

Avoid taking chances with your financial and personal safety. Easyway insurance will help you understand your options and recommend the most appropriate cover for your budget and needs.

ATV Insurance

ATVs are not on-road driving vehicles, but they still require insurance. If you have an ATV in Ontario, chances are that you will use it in public areas (like roads, trails, and parking lots). Therefore, you require insurance for these vehicles, just as you do for a car.

Many municipal laws usually require residents to have insurance coverage for their ATVs. This includes property damage coverage, liability coverage, and accident benefits coverage. Additionally, you can also buy Collision, Comprehensive, Specific Perils and All Perils coverage for your ATV.

A new ATV doesn’t come cheap either. At Easyway Insurance, our insurance cover protects your investment in the event of theft.

So, as you explore the great outdoors of Ontario, let Easyway Insurance give you that much-needed peace of mind for your road trip.

Common Types of Off Road Insurance

Each recreational vehicle insurance policy is unique. The following is a list of different covers available for your ATV or snowmobile insurance.

Snowmobile and ATV Risk Management

1. Accidents by Another Party

Even if you choose to let your family members and friends drive, you are liable for accidents. You can face a lawsuit when someone gets injured, or if someone else’s property is damaged. ATVs are associated with high rates of injury, so stay safe.

2. Allowing a Minor to Operate the Snowmobile or ATV

It’s wrong to assume that everyone who drives or rides your ATV or snowmobile has insurance coverage. Most high- risk insurance policies exclude young operators.

What’s more, provincial and state regulations or rules from natural resources agencies may restrict the operator‘s age. Ensure you check with the local laws, especially if you intend to travel out of your home area.

3. Medical Payments

Standard policies do not typically cover medical expenses when an accident occurs. This usually includes doctor visits, ambulance fees, and emergency room fees. Before taking that heart-throbbing ride on your snowmobile, ensure you confirm whether your coverage has these expenses.

Can Infractions on a Recreational Vehicle Affect Your Ontario Car Insurance?

Yes, infractions on a recreational vehicle can have an impact on your auto insurance rates. The severity of your infraction determines the level of impact on your insurance rate.

In most cases, insurers don’t find out about the infraction until you get convicted in court, added to the driving abstract, or make a payment for it. Other insurance companies will only notice this when you try renewing your policy with them. It is always best to let your insurer know about the violation as soon as possible.

Here are some infractions that you must avoid on your driving record if you want to pay lower insurance rates for your recreational vehicles:

How to Keep Your ATV and Snowmobile Insurance Costs Down

Various factors affect the cost of covering a specialty vehicle. Is it possible to keep insurance rates low? Yes, just consider these tips:

Get Your High-Risk Auto Insurance from Easyway Insurance

Getting recreational vehicle insurance is a life-saver for all adventurous people. It is comforting to let yourself go and have some risky fun when you have a reliable insurer in Ontario.

Feel free to contact Easyway Insurance on 1-866-388-3034 and let us offer you a helping hand on all your high-risk auto insurance needs. You can always count on us!

Get A Quote
Share with twitter facebook

Blog Categories


Get In Touch

1 Prologis Blvd
Suite 101
Mississauga ON

Phone: 1.905.890.0123
Toll Free: 1.866.388.3034
Fax: 1.800.820.2276