To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

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We highly recommend getting a liability policy, primarily when operating a higher-risk vehicle like a dirt bike. While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.

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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). It expires 24 months after the date of delivery; a copy of the bill of sale must be provided and the unit insured for 100% of value.

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Add comprehensive coverage for risks such as:

• Fire
• Lightning
• Hail
• Theft and vandalism

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.

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When your dirt bike is parked, even in your garage, no automatic insurance is extended from your home insurance policy. But theft, vandalism, and other risks still exist, and your home insurance isn’t going to extend to protect your bike unless you have it specially scheduled.

If you plan on storing your bike for any length of time, it’s important to have a policy to protect yourself and your bike. A dirt bike storage policy can help you cover your costs if something happens to your bike and protect you from any potential theft.

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If you’re injured on a dirt bike, you may wonder how you’ll be able to cover your costs. Dirt bikes are often considered “light motorcycles,” meaning they’re not as sturdy as motorcycles designed for use in more serious off-road activities. This means they can be more easily damaged, and you may need medical attention if your bike is involved in an accident.

Make sure to get insurance to cover your injury and future costs. Sometimes personal health insurance may not provide adequate coverage for medical expenses, disability, loss of income or death that results from operating a dirt bike. The risk of severely injuring yourself while using a dirt bike should not be ignored.

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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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