Summer is nearly here, and for many Canadians, that means one thing: it’s time to dust off your recreational vehicles and get ready for adventure. Whether you’re hitting the trails on your ATV, exploring backroads on a dirt bike, or cruising the water on a jet ski, there’s no shortage of excitement to be had. But before you rev your engine: are you covered?
At its core, insurance is about peace of mind. It’s about knowing that if the unexpected happens—whether it’s an accident, theft, or damage—you won’t be left to navigate the fallout alone. Recreational vehicles (RVs) bring a unique set of risks, and that’s why having the right insurance coverage tailored to your needs is so critical. As insurance brokers, we’re here to break it down for you so you can enjoy your summer adventures and leave worry behind.
Recreational vehicles like ATVs, dirt bikes, UTVs, and jet skis aren’t just toys—they’re valuable machines that can cause serious damage to property or injury to others if something goes wrong. Many provinces in Canada, including Ontario and Alberta, legally require liability insurance for certain vehicles, even if you’re only using them on private property. Even where coverage isn’t mandatory, it’s a wise investment to protect yourself financially.
Imagine your ATV accidentally damages a farmer’s fence, or a passenger on your UTV is injured during a ride. Without the right coverage, expenses can add up fast; from medical bills to repair costs. Insurance protects you from these financial burdens, allowing you to focus on what matters most—enjoying your time outdoors.
Not all recreational vehicles are created equal, and neither is insurance coverage. Let’s walk through some coverages every recreational vehicle owner should consider.
This is the foundation of any insurance policy. It provides protection if you’re found legally responsible for an injury to another person or damage to their property while using your recreational vehicle.
For example:
Liability coverage ensures these costs don’t come out of your pocket, and it’s often legally required for certain vehicles.
Liability covers others, but what about your property? Collision and comprehensive coverage protect your recreational vehicle itself.
Many RV owners put money into customizing their vehicles with accessories like upgraded suspensions, custom paint jobs, or additional safety equipment. Standard insurance doesn’t always cover these modifications. Adding an endorsement for accessories ensures these investments are protected.
When building your insurance policy, our team of brokers consider factors such as:
By providing this information, your broker can customize a policy that suits your specific needs, ensuring you’re fully protected.
This summer, let your adventures be fuelled by excitement, not concern. With the proper insurance for your recreational vehicles, you can take on every trail and wave with confidence. At Gifford Carr, we help clients like you find the perfect coverage, whether you’re a weekend enthusiast or a seasoned adventurer.
Still unsure what type of insurance you need? Reconnect with our team today. We’ll guide you through your options, answer your questions, and make sure you’re ready for whatever adventures await.
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