Get your Dirt Bike insured for a quicker return to the trails.
Even though dirt bikes can take a beating, it doesn’t mean you don’t need protection.
Click on one of the below topics to unpack your recreational insurance:
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.
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.
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 associated with defending yourself in court.
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 dirt bike is parked, even in your garage, no automatic insurance is extended from your home insurance policy. However, 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.
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.
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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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.
What if I have a claim? Does it affect my coverage or premiums?
Yes, a 10% surcharge will be applied at your next renewal if you have 1 claim in the past 3 years (surcharge may increase for two or more).
Does the GOT TOYS rating provide discounts?
Yes, they do provide discounts for the following:
- A discount of $1,000 deductible
- A 5% discount on Trail Bikes for members of SMA – Saskatchewan Motorcross 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
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.
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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Take action to safeguard your dirt bike by getting Off-Road Vehicle insurance today. Don’t delay!
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