Person driving a snowmobile through a mountain trail


ATV and Snowmobile Insurance 


Contrary to popular belief, recreational vehicles such as snowmobiles and ATV’s are NOT covered under a homeowner policy, even if they are always kept in your garage. These vehicles need to be covered under an Ontario Automobile Insurance Policy. In most cases, you will be required to carry the minimum liability limit for Ontario in order to obtain a trail permit or license plates for these vehicles. Rates for Snowmobiles and ATV’s are very much driven by the engine displacement and value of the machine. It’s important to make sure that the vehicle that you are purchasing is not listed on a “high performance” or “restricted vehicle” list, because insurance rates for these vehicles could get expensive.

Feel free to call us to find out if the machine you are interested is on one of these lists.