Car Insurance for Off-Road Vehicles in Canada

Father and son ride quad down dirt path outside.
May 17, 2021

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Off-roading is exciting, a total rush. It’s no wonder so many Manitoba drivers love it! But did you know that going off the beaten path pushes the limits of what regular car insurance will cover? It’s true! If you’re off-roading on standard car insurance, you won’t be covered in the event of an accident or any other type of claim.

If off-road driving is a regular part of your lifestyle — or if you’d like it to be starting now! — keep reading to learn about off-road vehicle insurance: the only type of car insurance that’s willing and able to ride shotgun with you.

What Is Off-Road Insurance?

Off-road insurance is just what it sounds like: a type of car insurance created specifically for off-road vehicles. It protects different types of vehicles (like snowmobiles, ATVs, and dirtbikes) and their drivers against unforeseen events like fire, theft, collision, personal injury and death.

Doesn’t Regular Car Insurance Cover Off-Road Driving?

Unfortunately, no. Regular car insurance does cover drivers against all of the unforeseen events listed above, but only for regular-use vehicles. (Also, you actually can’t get regular car insurance for an off-road vehicle. Insurance companies don’t allow it.)

What Does Off-Road Insurance Cover?

It really depends on the coverage options you choose. Standard off-road insurance covers the following:

  • Fire
  • Theft
  • Collision
  • Personal Injury
  • Death

Many off-road drivers also choose to add-on coverage for things like:

  • Riding gear
  • Lock rekeying (if keys are stolen)
  • Travel protection
  • Loss of use
  • Safety and maintenance equipment
  • Reward coverage

What Types of Vehicles Qualify for Off-Road Insurance?

Any vehicle traditionally used for off-road purposes will typically qualify for off-road insurance. That means ATVs, side-by-sides, snowmobiles, dirt bikes, and argos (when used for extreme off-roading), would all fit the bill.

Do you need off-road insurance for a jeep?

If you’re using your Jeep as a passenger vehicle, then no, you don’t need off-road vehicle insurance, but if you’re taking it off-roading, you do. So, you’ll need to remember to switch your insurance before you go!

Note: If you have regular car insurance and decide to go off-roading in your Jeep without switching your coverage, any accidents or claims you try to submit would not be covered!

Do you need off-road insurance for motorcycles?

Just like with a Jeep, motorcycles can be crossovers, meaning that they can be used legally on public streets and off-road.

So, if you’re only driving your motorcycle on public streets, then no, you won’t need off-road insurance. But, as soon as you go off-roading, you’ll need to switch from regular car insurance to off-road insurance in order to be covered in the event of an accident or any other type of claim.

How Much Does Off-Road Insurance Cost?

Just like their drivers, every off-road vehicle is unique. And, everyone uses their off-road vehicle a little differently. As a result, the costs of off-road insurance premiums vary a lot, and most off-road insurance policies are individualized.

The cost of your off-road insurance will depend completely on you and your needs. The type of off-road vehicle you’re insuring and the benefits you choose will all impact your final numbers.

If you’re looking for an answer that’s just a little more specific so that you can plan and budget, feel free to request a personalized off-road insurance quote.

How To Get Car Insurance For Your Off-Road Vehicle

Unlike off-road driving, securing off-road insurance is a smooth ride. Start by requesting a quote, or feel free to come in to Winnipeg Insurance Brokers and have one of our Insurance Consultants help you face-to-face. We’ll learn about you and your vehicle, help you pick the best coverage for your needs, and get you off the road in no time.