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Want to learn about your insurance? Click on one of the below topics!
ATVs don’t require registration, but they 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 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, including permanent attachments, modifications, freight, PDI, tire tax, and both Saskatchewan taxes.
Theft or Damage
ATVs are tough, but nothing is tougher than dirt. Protect your investment against direct and accidental damage due to upset or collision. Add comprehensive coverage for risks such as fire, lightning, hail and vandalism. You face significant risk when you put that ATV away for storage in the winter. We can help mitigate your loss due to theft by having it insured on a policy.
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 is not something to be ignored. Ask an advisor about adding Accident Benefits to your insurance policy to provide coverage to help cover such risks.
In Storage Coverage
Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.