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 / horse, colic, equine
5 Tips to Protect Your Horse from Fall and Winter Colic

Here are my top five tips from Equine Guelph to prevent colic in your horses during the fall and winter.

Oct 2nd, 2019 | By: Mike King
Business Insurance / equine, COVID-19
Embracing Change: How Businesses Can Thrive in COVID-19 Times

With the coronavirus pandemic expected to continue for an unspecified length of time, horse industry businesses have been considering how best to reduce the spread of the virus, maintain a healthy environment for staff, horses, and clients, while also…

Jul 28th, 2020 | By: CapriCMW
Personal Insurance / home maintenance
6 Ways to Prepare Your Home for Cold Weather

With the days getting colder and wetter, now is the time to begin preparing your home for the harsher winter conditions ahead. This fall, take these six steps to prevent damage to your property and avoid claims.

Oct 7th, 2021 | By: CapriCMW