Off-Road Vehicle Insurance
Coverage built for getting off the grid.
Ensure you have peace of mind, even as you head into unknown backroads, with our off-road vehicle insurance.
Your guide to off-road vehicle insurance.
Protect you and your off-road vehicle with the right insurance so you can enjoy the trails with peace of mind.
We offer insurance for:
- ATVs
- Snowmobiles
- Dirtbikes
- Side-by-sides
- Optional trailer coverage
- And more
Coverage across Canada.
Get in touch about off-road insurance by phone or in person at your nearest location.
Explore our most common off-road coverages.
Protect yourself and your vehicle when you’re out and about with our different types of off-road policies.
Liability Insurance
Off-road liability insurance provides coverage if you injure someone or cause damage to someone’s property.
Physical Damage Insurance
This coverage protects off-road vehicles from damage or loss by fire, theft, transit, vandalism and even collision.
Accident Benefits
This may cover medical payments that are not covered by a provincial health plan after an accident causes an injury.
Accessories & Upgrades
This protects riding accessories like personal protective gear, and aftermarket accessories fitted to your off-road vehicle.
Why choose Acera for off-road vehicle insurance?
Our team of dedicated advisors is here to ensure your insurance journey is a smooth ride.
Unbiased Expert Guidance
Our highly experienced insurance brokers will take the guesswork out of your off-road vehicle policy so you can focus on enjoying the trails.
Ultimate Choice
As one of Canada’s largest independent brokerages, we work with a large number of insurance companies, giving you plenty of choices for your coverage.
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 quickly and efficiently as possible.
Answering your most common questions.
Who is insured under my off-road vehicle liability policy?
The individual who applies for the insurance (referred to as the insured) and any individual who is eligible to hold a valid driver’s license and operates the off-road vehicle with the insured’s consent. Please consult your broker regarding underage drivers.
Is aftermarket equipment covered?
Coverage for aftermarket equipment can often be added to your off road vehicle policy. Discuss coverage options for accessories and aftermarket equipment with your Acera Insurance advisor.
Can I bundle my off-road vehicle insurance with my car insurance for a discount?
Many insurers offer multi-line discounts when you purchase multiple policies. Ask your Acera Insurance advisor about available multi-line discounts.
Personal insurance insights for your everyday.
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