Get your Dirt Bike insured for a quicker return to the trails.

As insurance professionals in your area, understand that every off-road vehicle in Saskatchewan has its own distinct characteristics. Even though dirt bikes can take a beating doesn’t mean you don’t need protection.

Click on one of the below topics to unpack your recreational insurance:

Liability Coverage

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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Replacement Coverage

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 its value.

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Coverage Options

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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Storage Coverage

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 essential 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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Personal Injury

Dirt bikes are often considered “light motorcycles,” meaning they’re not as sturdy as motorcycles designed for more off-road severe activities. This means they can be more easily damaged, and you may need medical attention if you’re 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.

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Disability Insurance

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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Is it worth it to get dirt bike insurance?

Suppose you own a high-value dirt bike valued at $10,000 or more, along with additional accessories. In that case, investing in liability coverage, collision coverage, and/or accessory coverage may be worthwhile. This will allow you to recover a significant portion of your investment in case your dirt bike sustains damage due to an accident. Ultimately, the decision should be based on careful consideration of your personal circumstances and the level of protection you deem necessary for your valuable assets.

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Protect your ATV with our comprehensive insurance.

Off-road vehicles like ATVs and dirt bikes are not registered in the province of Saskatchewan. Ensure that your off-road adventures are not spoiled by unexpected damages or accidents. Our off-road vehicle ATV insurance offers the necessary coverage to safeguard your vehicle, allowing you to enjoy your time outdoors fully.

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Protect your Snowmobile and get back to the trails faster.

Snowmobiles are the sole off-road vehicles that require registration. When you register, you automatically receive liability coverage for at least $200,000. However, this insurance does not include coverage for physical damage. As someone who thrives on the excitement of riding, it’s essential to acknowledge that accidents can occur anywhere. That’s why protecting your investment with insurance that is just as passionate about your adventures as you are is crucial.

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