British Columbia offers a variety of ways to get outside this summer. Whether you are hitting the trails or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. The friendly team at Mountainview Insurance in Abbotsford want to help you protect your investment and let you focus on having fun. Here are some of the things that you need to know about insurance coverage for off-road vehicles before you hit the trails this summer.
The first thing that you should know before taking any off-road vehicle out this summer is that very few car insurance policies include coverage for off-roading. This means that if you take your street legal, insured vehicle off the road this summer, your car insurance policy will not cover you if you get into an accident. While some policies might provide you with limited off-road coverage at no additional cost, you are only covered if it is expressly written into the plan itself. If you are not covered for off-roading, you may want to compare car insurance policies and find one that has the coverage you need.
You should also keep in mind that your house insurance does not cover vehicles, ATV, side-by-side, or otherwise. This means that unless you secure a separate insurance policy, your vehicles will not be covered.
While many standard car insurance plans do not include off-road coverage, there are plans that are specifically designed for this purpose. When looking for off-road coverage, you should look for a policy that includes:
There are several factors that can affect the cost of insuring an off-road vehicle. Some of the ways that you can keep your insurance costs low are:
If you would like to learn more about insurance coverage for off-road vehicles, or if you are interested in one of our policies, please contact Mountainview insurance at 604-557-0255 or by requesting a quote on our website.
We’re ready to understand your insurance needs and to work for you to get the coverage you need.