Insurance for Off Road Vehicles

CapriCMW offers complete off road insurance coverage options for ATVs, snowmobiles, dirtbikes, side-by-sides and more and work with you to make it easy to properly insure your off road vehicle.

Get an insurance quote for your ATV, snowmobile or dirtbike.

Quote and Buy online

Liability Insurance

Off Road Liability insurance provides coverage if you injure someone or cause damage to someone's property. Our Off Road Liability provides coverage for up to $1,000,000.

Physical Damage Insurance

Off Road Physical Damage coverage provides protection for your ATV, snowmobile or dirtbike from damage or loss by fire, theft, transit, vandalism and even collision. We offer three Physical Damage coverage options:

  • Gold Protection: All Perils (Collision, Upset, Rollover, and Comprehensive)
  • Silver Protection: Comprehensive-only coverage
  • Bronze Protection: Basic Perils (Fire, Theft, Attempted Theft, and Transit)

Available Discounts

  • Up to 25% discount to current members of approved associations (e.g. BCWF, BCSF, ATV BC)
  • 10% discount to ATV owners who have completed the Canadian Safety Council ATV Safety Course
  • 10% discount to owners of machines that have an approved ignition system immobilizer

Dedicated Claims Support

Our in-house claims team is here to help you every step of the way and advocate on your behalf to expedite your claim as fast and efficient as possible.

Frequently Asked Questions

Who is insured under my Off Road Vehicle Liability Policy?

The person who applies for the insurance (the insured) and anyone with a valid driver’s licence operating the insured’s off road vehicle, with consent from the insured.

Is aftermarket equipment covered?

Yes - aftermarket equipment will be covered if the extra equipment is attached to the insured vehicle and the value of that equipment was included in the insurance limit purchased. It is recommended that you retain receipts from the original purchase and keep photos of the added equipment.

What happens if my off road vehicle is a total loss as a result of an insured incident?

The unit is insured for Agreed Value. Agreed Value is the amount shown on your policy for your ATV, snowmobile or dirtbike. In the event of a total loss, you will receive the amount shown on the policy. No deductions will be taken for depreciation and no deductible will be charged. For example, if your ATV, snowmobile or dirtbike is insured for $12,000 and is a total loss, you will receive $12,000 if your intention is to purchase a replacement vehicle.

Resources

Personal Insurance / Property Management, strata
6 Tips for Protecting Your Strata Unit While You're Away

As travel within Canada and internationally resumes, you may be already have plans for your next vacation. Leading up to it, there are some important steps to take for protecting your property prior to leaving home.

Sep 15th, 2021 | By: CapriCMW
Personal Insurance / cybersecurity, cyber attack
What to Do If You've Been Hacked

Cyberattacks are occurring at alarming rates with a new one happening  every 39 seconds according to one study. It is more important than ever that you are prepared to take action and protect your data in the event you become a victim. Here are seven…

Aug 25th, 2021 | By: CapriCMW
Personal Insurance / Home Insurance, wildfire
Does My Home Insurance Cover Evacuation Expenses?

Many communities in BC remain on evacuation alerts or orders. For those affected, here is what you need to know about how your home, condo or tenant insurance policy will respond if you are forced to leave your home.

Aug 18th, 2021 | By: CapriCMW