# Off-Road Vehicle Insurance - BC

> Enjoy worry-free adventuring with our off-road vehicle coverage for accidents, theft, and more in BC.

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.

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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

Dirt bikes

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.

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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.

Answering your most common questions.

Who is insured under my off-road vehicle liability policy?
The person who applies for the insurance (the insured) and anyone with a valid driver’s licence operating their off road vehicle, with consent from the insured.

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.

What happens if my off-road vehicle is a total loss as a result of an insured incident?
The vehicle is insured for Agreed Value, the amount shown on your policy for your ATV, snowmobile or dirt bike. In the event of a total loss, you will receive the amount shown on the policy. Your physical damage deductible will be charged, but no deductions will be taken for depreciation. For example, if your ATV, snowmobile or dirt bike is insured for $12,000 and is a total loss, you will receive $12,000 if you intend to purchase a replacement vehicle.

Personal insurance insights for your everyday.

Still have questions?

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

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Or call us at 1-800-670-1877