Motorcycle, ATV & RV Insurance
We know that Albertans live life to its fullest, which is why we offer insurance plans that cover motorcycles, trailers, ATVs, snowmobiles, and even your summer boat.
Thinking about escaping for a weekend getaway or planning your camping season? You’ll want to ensure that your recreational vehicles have the right coverage. From the extreme mountain enthusiast to the casual trail roamer, we’ll find you the most affordable rates with a policy that’s personalized to your needs and lifestyle.
Our brokers will work with you to find the right coverage for your:
Our knowledgeable brokers take the time to get to know you and understand what activities you’ll be using your recreational vehicle for. We provide advice on what plan meets your needs AND your budget.
We live in Alberta, work in Alberta, and play in Alberta. So we understand what coverage you need for those May long camping weekends or your hunting trips to the mountains. Enjoy your favourite activities with the assurance that if anything unexpected happens, you’re covered.
We’re independent brokers, which means that we don’t have quotas to meet and can focus on finding the best plan for you. Feel confident that if you ever need to make a claim, we’ve got you covered.
Whether you’re storing, hauling, or riding your recreational vehicles, you’ll want to make sure they’re protected. Just like your everyday vehicles, it is mandatory in Alberta to insure them.
You insure your home, yet realistically, your RV goes through more elements. There’s potential for hail damage while you’re camping in Southern Alberta, wind damage when a nasty storm hits, or collision damage when someone rear-ends you while you’re hauling your trailer. Even if your motorcycle or ATV is just sitting in your garage, it needs to be insured in order to be protected.
We can help find you the best plan and rate by understanding what activities you will be using your recreational vehicle for.
Every bike and rider are different and we will help find a plan customized to your biking needs. We look at various factors such as the engine size and the type of bike. Whether you regularly ride a classic Harley Davidson or occasionally rip around on your Honda Sport Bike, we’ll make sure you’re properly covered.
On-road motorcycles are similar to automobiles, therefore you will likely want a similar level of coverage. We typically recommend having collision, fire, vandalism, and theft coverage.
If your vehicle is mainly used off-road, you’ll want a different level of coverage compared to a typical automobile. When it comes to ATVs, Dirtbikes, and Snowmobiles, fire and theft coverage are prioritized over collision or vandalism. Although only liability insurance is mandatory, our brokers know that if your ATV is on the back of your truck and you get in an accident, you’ll want it to be covered. Our brokers will discuss with you adding “collision while being conveyed” and other coverage that pertains to this grouping of recreational vehicles.
Vacation trailers can be insured as an extension of your home policy for content coverage, or as a stand-alone product. A trailer being conveyed will not be covered for physical damage under liability insurance and would require specific “collision while being conveyed” coverage.
Replacement cost is available as an optional and additional coverage. For the first 10 years, it is possible to insure your trailer for guaranteed replacement cost. This means that the insurance company is obligated to fully replace or repay what you paid for your trailer, without any deduction for depreciation. Guaranteed replacement cost is typically recommended for newer trailers because they depreciate so quickly and their value can fluctuate based on the US dollar.
There are many policy combinations to insure your RV or Motorhome. Liability insurance has to be insured under an automobile policy, but there are many variables when it comes to determining how you want to cover any potential physical damage to your RV or Motorhome.
Imagine a stone flying into the giant windshield of your precious RV. We can ensure that you have glass coverage as a large windshield can be very pricey to replace.
We recommend talking to your broker to determine what kind of coverage you will need for your motorhome and how you should split or combine your coverage with your automotive policy.
Whether your boat is of the cruise, motor, or sail variety, you’ll want to make sure it’s properly insured.
Your boat can be added to your home policy or insured as a stand-alone product. When insuring your boat, typically the type of boat, value, horsepower, and length are taken into consideration. Your driving record could also potentially impact your boat insurance.
Depending on the age and value of your boat, you may be able to add replacement cost coverage.
When working on plans and rates with your broker there are several factors that impact your rates.