ATVs don’t require registration but need a minimum of $200,000 liability coverage before you can ride them in public areas. When riding an ATV in public places, you must show proof of insurance if asked. The owner and the ATV operator are liable for any loss, damage or injury incurred when operating the vehicle. Liability insurance can help if you are found at fault in an accident and protect you financially from the pain of a nasty lawsuit.

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 it is 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.

You face significant risk when you put it away for storage in the winter. We can help mitigate your loss due to theft by having your ATV insured on a policy.Add comprehensive coverage for risks such as:

• Fire
• Hail
• Theft and vandalism

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.

If you’re injured on an ATV, you may wonder how you’ll be able to cover your injury costs. ATVs are high-risk vehicles. Sometimes, personal health insurance may not provide adequate coverage for medical expenses, disability, loss of income or death that results from operating an ATV. The risk of severely injuring yourself while using it should not be ignored.

Disability coverage replaces some of your income if you can’t work because of an injury or illness. This monetary benefit will continue until the benefit period ends or you return to work. It can help you and your family pay for necessary expenses like your mortgage, car payments, utilities, groceries, etc.

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