Recreational Vehicles + Watercraft

Canada is a four-season country, and Canadians like to make the most of the great outdoors every season. We know that you want to get the most out of the summer and winter months and there is a wide range of vehicles to help you enjoy every last minute of the outdoors. As with personal automobiles, however, there are different types, and rates, of insurance depending on which vehicle you choose. It is always worth spending a bit of time acquainting yourself with the various categories and classes of a seasonal recreational vehicle before you buy, and your Roughley Insurance Broker is a great resource to call. 

Antique & Classic Car Insurance Flexible Usage You don’t have your Classic car just to admire it… it was made to be driven! Whether you’re going for a Sunday drive, or taking your beauty out to a car show, we have you covered.

 Flatbed Roadside Assistance Our optional best-in-class program provides guaranteed flatbed roadside assistance and other benefits. We are confident that you won’t find a better option for ensuring your classic car is protected in the event of a breakdown. Contact us today to find out more about the details of roadside assistance for your classic car, and how it stacks up against the industry standard. 

Low Minimum Premiums At Roughley, we will always get you the right coverage for the right price. We work with specialty insurance companies who only insure antique and classic cars, which allows us to offer you best-in-class coverage at a significantly lower price than traditional insurers.

 Watercraft Insurance Boating is a lifestyle that many people love to indulge in! But with so many different types of boats, it is important to identify the appropriate level of insurance coverage. Roughley offers comprehensive insurance packages for almost every type of boat. In some cases, the liability falls under your Homeowners Insurance if you have extended it to cover smaller watercraft. In cases where the specifications for your boat exceed these limits, you may have the option to schedule these items on your Homeowners Policy.

 Motorcycle Insurance At Roughley Insurance, we can help you find the right package to suit your motorcycle insurance needs. Whether you are a novice rider, or very experienced, or whether you have a small-scale 250cc bike or a high-end 1500cc Harley Davidson, we have a variety of packages to offer. It’s important to recognize that motorcycling is considered a seasonal sport.

Rates for motorcycle insurance is calculated based on seasonal use only, therefore, a reduction of coverage during the off-season is not typically an option. Trailer and Motorhome Insurance From small pop-up trailers to 36ft fifth wheel trailers to motorhomes, we have the right coverage for you. Liability coverage extends to travel trailers from the vehicle that is towing it. However, you may want to consider protecting your trailer against theft and physical damage. We have very affordable options for collision and comprehensive coverage.

Motorhomes are insured much like personal automobiles. Coverage includes liability, collision and comprehensive, as well as loss of use and vacation interruption. ATV and Snowmobile Insurance Contrary to popular belief, recreational vehicles such as snowmobiles and ATVs 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 ATVs 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.   

Recreational Vehicle Insurance Resources Are you renting your cottage? There is insuran