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.

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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.

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What our clients are saying about us

CapriCMW has your back, puts it's customers first, and employs an exceptional group of people. I can't say enough great things about my experience here. I used to think it didn't matter where I renewed my car insurance, but now I know first hand that there is a huge difference, and I'll never go anywhere else.

Daryl D., Kelowna

I can only wish all insurance brokers I've dealt with were as good as CapriCMW. Kind, informative and excellent guidance on my home, car and motorcycle insurance.

Jim A., Vernon

I have been dealing with CapriCMW for about 5 years and have always found them to be attentive and knowledgable. Even though I live in another part of the city now, I make the drive to CapriCMW, it's worth it to me.

Eric, Kamloops

The team at CapriCMW is so nice and helpful. Kelly Ann and Tannis stand out as I've dealt with both of them and they were nothing but awesome. Tannis even went above and beyond by catching a mistake made by ICBC and rectifying it right away. I can't recommend CapriCMW enough!

Sara N., Kelowna

I would recommend CapriCMW without hesitation. Kayla at the Powick Rd office in Kelowna called to remind my of my upcoming car insurance which I completely forgot about until it was about to expire. I called Kayla in desperation and she drove out to my house with paperwork in hand! Service like this is why CapriCMW has been around for decades and will continue to be so. Many thanks!

Heather W., Kelowna

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