Off-Road Vehicle Insurance

Ensure Your ATV or Snowmobile Ride with Confidence – Get the Best ORV Insurance Coverage

When embarking on an exciting ATV or snowmobile adventure, it’s crucial to have the right insurance coverage in place. That’s where our exclusive ORV insurance policy comes in, offering superior coverage that won’t break the bank.

At BSI Insurance, we’ve designed a unique off-road vehicle program specifically tailored to protect snowmobiles and all-terrain vehicles (ATVs) from physical damage, including fire, theft, vandalism, and collision. Our policy sets itself apart from the standard coverage provided by Manitoba Public Insurance (MPI) by offering Guaranteed Replacement Costs for new machines, a feature not included in their policy. Plus, you won’t need to undergo a vehicle inspection, and you’ll have the freedom to choose your desired deductible.

Key Highlights of Our Coverage:

• Replacement Cost Endorsement for brand-new snowmobiles and quads.
• Enjoy a 15% discount if you’re 50 years of age or older.
• Snowmobile riders can avail of a 10% safe rider discount (with Snopass purchase) if they have a clean claims and traffic record.

Our underwriting guidelines are:

• No vehicle inspection required.
• Annual policy covering both the riding season and off-season, with 100% retained premium.
• Flexible deductible options: $1000, $750, or $500.
• Replacement Cost Endorsement, adhering to specified terms and rating.
• Coverage provided under the comprehensive All Perils form (excluding liability insurance) with applicable deductible and depreciation considered at the time of loss.
• Pro-rata cancellation when trading in the unit and adding a new one (bill of sale required).
• Short-rate cancellation when selling the unit (bill of sale required).
• Minimum coverage requirement of at least 90% of the unit’s depreciated value.
• Includes coverage for incidents like breaking through the ice and sinking in muskeg.
• Up to $1000 coverage for salvage recovery costs.
• Up to $2000 coverage for accessories, with higher limits available at an additional premium.
• Surcharges may apply for prior traffic convictions or claims.