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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 in BC.

Your guide to off-road vehicle insurance.

This program offers off-road vehicle owners in BC easy and exclusive coverage. We help you take care of everything online so you can spend more time outdoors doing what you love.

We offer insurance for: 

  • ATVs
  • Snowmobiles
  • Dirtbikes
  • Side-by-sides
  • Optional trailer coverage
  • And more

Coverage across BC.

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. Our off-road liability offers coverage options of $1,000,000 or $2,000,000.

Physical Damage Insurance

This coverage protects off-road vehicles from damage or loss by fire, theft, transit, vandalism and even collision. We offer three physical damage coverage options.

Why choose Acera for off-road vehicle insurance?

Our team of dedicated advisors is here to ensure your insurance journey is a smooth ride.

Buy Online

Get a quote and purchase your insurance online to receive your insurance documents instantly by email for instant coverage.

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 efficiently as possible.

Discounted Rates Available

We offer discounts for members of approved associations (25%), ATV owners who have completed the Canadian Safety Council ATV Safety Course (10%), and owners of machines with approved ignition system immobilizers.

Helpful tips from our advisors.

Our experienced advisors can help you understand the policy that’s right for you and answer any questions you may have.

“I advise clients to buy liability coverage for their off-road vehicle, even if they have some coverage through an outdoor association because the association’s coverage is often restricted to specific activities.”

– Katrina Lattin | Kelowna, BC

“It pays to be a member! Members of partner associations like BC Wildlife Federation, BC Snowmobile Federation, ATVBC and more, enjoy discounts of up to 25% on our off-road vehicle insurance.”

– Zach Schwingenschloegl | Kelowna, BC

Answering your most common questions.

Is aftermarket equipment covered?

Yes – aftermarket equipment will be covered if it’s attached to your vehicle and its value is included in the insurance limit purchased. We recommend you retain receipts from the original purchase and keep photos of the added equipment. After the vehicle is 2-years old, aftermarket equipment is covered at 50% of value.

Personal insurance insights for your everyday.

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    Am I covered if I don’t wear a helmet on my OHV?

    Despite how fun riding an off-highway vehicle (OHV) can be, it can also be very dangerous. An average of 19 Albertans…

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  • The Basics of Off-Highway Vehicle (OHV) Insurance

    The Basics of Off-Highway Vehicle (OHV) Insurance

    If you’re one of many Albertans who enjoy off-highway vehicles (like ATVs and snowmobiles), you’re probably familiar with the two…

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Still have questions?

We’re happy to connect with you. Let’s start a conversation.

Or call us at 1-800-670-1877