Protect your off-road vehicle with our all-terrain vehicle ATV Insurance.
Our comprehensive ATV insurance policies are designed to protect you, your passengers, and your vehicle on any terrain.
Click on one of the below topics to unpack your ATV insurance:
What are the available options for purchasing Third Party Liability coverage limits?
When it comes to Third Party Liability coverage, you have the choice between limits of $1,000,000 or $2,000,000. These limits apply to situations where your vehicle is being operated by a licensed individual.
What is Third Party Liability?
Third Party Liability refers to your legal responsibility for any injury caused to others, including your passengers, as well as any damage caused to their property. In the unfortunate event that such incidents occur, the affected parties have the right to file a lawsuit against you, which may also include the costs of defending yourself in court.
Collision Coverage:
Collision or Upset refers to the direct and accidental loss or damage that occurs when a vehicle collides with another object or experiences an upset. This coverage helps repair or replace your ATV if it’s damaged in an accident, regardless of fault.
Comprehensive Coverage:
Comprehensive coverage encompasses all perils of direct and accidental loss or damage, excluding those caused by collision with another object or by upset. Some perils listed include fire, hail, theft or vandalism.
Did you purchase your unit brand new? Ask our team about which insurers offer replacement coverage for new ATVs. Got Toys, for example, offers this coverage on brand-new units (as long as they are purchased within 120 days from the delivery date of the unit).
A copy of the bill of sale must be provided, and the unit must be insured for 100% of the value, including permanent attachments, modifications, and Saskatchewan taxes.
When your ATV is parked, theft, vandalism, and other risks still exist, and your home insurance isn’t extended to protect your bike unless you have it specially scheduled.
If you plan on storing your off-road vehicle for any length, it’s essential to have a policy to protect yourself and your bike.
Personal Injury Explained ←
What is Personal Accident coverage with GOT TOYS?
Personal Accident insurance provides coverage for the insured in case of losses suffered while boarding, disembarking, operating, or riding as a passenger on an off-road vehicle within the policy period.
The basic coverage includes compensation for permanent total or partial disability. For enhanced coverage, additional benefits are included, such as weekly indemnity, accidental death benefit, ambulance expenses, reimbursement of medical expenses, and much more.
GOT TOYS FAQs: Off-Road Vehicle Insurance
Where am I covered by my insurance policy?
The coverage provided by the GOT TOYS insurance policy extends to any location where you are legally permitted to ride within Canada or the continental United States.
Can I still be covered if I ride with a passenger?
Absolutely. As long as the vehicle is designed to accommodate a passenger, there are no exclusions for riding with one.
What Does ATV Insurance Cover?
Liability Coverage:
- Bodily Injury to Others: This is usually mandatory. It covers medical expenses, lost wages, and other damages you may be legally responsible for if you injure someone else while operating your ATV.
- Property Damage to Others: Covers costs if you damage someone else’s property with your ATV (e.g., fences, vehicles, buildings).
Physical Damage Coverage (Optional):
- Collision: Covers damage to your ATV in an accident, regardless of who is at fault.
- Comprehensive: Protects your ATV against losses from theft, vandalism, fire, falling objects, weather events, and other perils.
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Does the GOT TOYS rating provide discounts?
Yes, they do provide discounts for the following:
- A discount of $1,000 deductible
- A 12.5% discount on ATVs for members of SATV – Saskatchewan ATV Association
- A 10% discount for any principal operator who is 50 years or older and has been free of claims and convictions for the past 3 years
Do you have a question about property insurance?
