Protect your machine, your passengers, and your liability—on the trail, at the cottage, and in transport. Most riders only think about theft and damage—until something goes wrong and liability becomes the real loss.
Whether you're on OFSC trails or riding locally at the cottage, we'll structure coverage around usage, storage, transport, and accessory value.
Trail riding, farm/acreage use, hunting trips, or mixed on/off-road situations all change underwriting and coverage. We'll place the correct wording and limits for where and how you actually operate.
Off-road classes vary widely by speed, engine size, modifications, and where you ride. We'll confirm eligibility and avoid surprises at claim time.
$1M is our starting point, but we recommend $2M because the premium difference is often modest relative to the added protection. Liability is the biggest exposure on these machines—especially with passengers and shared trails.
Coverage for impact events—trees, rocks, rollovers, ice hazards, or trail collisions—subject to your deductible. Particularly important for newer sleds/ATVs and financed units.
Helps protect against theft from trailers and sheds, garage fires, storm damage, and vandalism—common causes of total losses for seasonal vehicles.
Aftermarket tracks, winches, upgraded suspension, GPS mounts, heated gear, and trailers can add up fast. We'll schedule or endorse items where needed so value isn't capped or excluded.
$1M is our starting point, but we recommend $2M because the premium difference is often modest relative to the added protection. Liability is the biggest exposure on these machines—especially with passengers and shared trails.
Coverage for impact events—trees, rocks, rollovers, ice hazards, or trail collisions—subject to your deductible. Particularly important for newer sleds/ATVs and financed units.
Helps protect against theft from trailers and sheds, garage fires, storm damage, and vandalism—common causes of total losses for seasonal vehicles.
Aftermarket tracks, winches, upgraded suspension, GPS mounts, heated gear, and trailers can add up fast. We'll schedule or endorse items where needed so value isn't capped or excluded.
Ready to insure your toys properly?
Tell us what you ride, where you ride, and how it's stored. We'll match you to the right carrier and confirm any trail/road requirements so you're covered where you actually use it.
Snowmobile vs ATV vs side-by-side classes are rated and worded differently. We'll confirm eligibility, operator requirements, and where the unit is permitted to operate so a claim doesn't turn into a coverage dispute.
Locked storage, theft deterrents, trailer type, seasonal layup, and primary use (trail vs property) all influence premiums and what can be covered.
Snowmobile vs ATV vs side-by-side classes are rated and worded differently. We'll confirm eligibility, operator requirements, and where the unit is permitted to operate so a claim doesn't turn into a coverage dispute.
Locked storage, theft deterrents, trailer type, seasonal layup, and primary use (trail vs property) all influence premiums and what can be covered.
Quick items that prevent expensive surprises later. If you're already insured, we can review your current policy and point out any gaps—then quote alternatives if it makes sense.
Yes—when operating a snowmobile off your own property, you must have liability insurance and carry the insurance card. If you're using OFSC prescribed trails, you also need a valid trail permit.
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Get personalized advice and a quote tailored to your specific needs.
A single impaired driving conviction can push your Ontario auto insurance premiums from $2,000 a year to $8,000 or more. And it does not matter whether you were behind the wheel of a car, at the helm of a boat, or riding a snowmobile. Here is what you need to know about the insurance consequences.
Ontario treats each recreational vehicle differently when it comes to insurance. Some require mandatory coverage by law, others do not. Here is a category-by-category breakdown of what you need before you ride, drive, or launch.
