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Why You Need ATV Insurance

If you live in Shediac, you know how beautiful the countryside is. In fact, when the weather is nice you can go out on the ATV trails and into the wilderness for days on end if you wish. This is a great way to relax, unwind, and simply get away from it all. However, unless you have the right ATV insurance, you could be setting yourself up for some major financial problems. There is no way to know what lies in path just ahead and here is an example which demonstrates the value of a good insurance broker.

Mike and Susan S loved their 4 wheelers and every chance they got, the couple was out on the trails having fun and forgetting about all their problems. In fact, not long ago they bought a new home and it was close to some of the best back trails in the Maritimes. They planned to spend many fun hours on these trails.

One day as the couple was out riding, they had a close call with another vehicle and this got Susan to thinking about quad insurance for their vehicles.Mike thought there was no need for this kind of insurance because the odds of an accident were astronomical. However, Susan didn’t think so and the couple had several serious discussions on the matter with Susan eventually getting her point across.

Mike promised Susan he would contact their insurance broker and see what a four wheeler insurance policy would cost. When Mike discussed insurance with the broker, he realized the coverage was affordable and decided to take out a basic liability insurance policy. This turned out to be a fateful decision.

Just a month after taking out the policy, Mike’s ATV was going around a blind corner at a high rate of speed and hit another vehicle head-on. The crash demolished the bikes and the other ATV had two people on it and they received serious injuries. Because the accident was Mike’s fault, his insurance was responsible for the claims which exceeded $180,000. Thankfully he had the right kind of coverage in place or Susan and Mike’s lives would have been in big financial trouble.

What is ATV Insurance?

ATV coverage is designed for any kind of motor sport vehicle, except for those riding competitively. It will cover many hazards that ATV riders face when they get on their vehicles. As you can see from the example story, without this coverage you could be in serious trouble.

Who Needs Quad Insurance?

Quad or 4 wheeler insurance should be considered by anyone riding a four wheeler, quad bike, or a side-by-side. This includes recreational use, farmers, and ranchers. Also, this insurance will cover these vehicles too:

  • Snowmobiles
  • Dirt Bikes
  • Mini bikes

What is Standard Four Wheeler Insurance?

Basic insurance is similar to auto insurance and you should consider:

  • 3rd party Liability – covers damage your ATV may cause to other people and property.
  • Collision – pays for damage to your vehicle if you are at fault and is mandatory if you have a loan on your ATV.
  • Comprehensive – covers hail damage, fire, vandalism, theft, and incidents like falling trees.
  • Underinsured/uninsured drivers – if another driver causes injuries or damages and does not have insurance, your company pays for the claims.

Additional Options for Your ATV Insurance

  • You should ask your insurance professional about options for your policy. In fact, he or she may recommend:

  • Trailer damage
  • More liability coverage – you may need more than the usual coverage. In fact, it may be best to take out an umbrella liability policy.
  • Equipment – can cover things like camping gear, GPS units, and fishing gear.
  • Disability – will pay you if you must be off work a long time due to a covered accident.

Finding the Right Quad Insurance Policy

Your independent insurance broker from Vienneau Insurance can help you find just the right coverage and at premiums that match your budget. How is this possible? Your independent broker deals with many of Canada’s finest insurers and your broker works for no insurance company. This person looks out for your interests and checks all the insurance options to find you the very best deals.

Vienneau Insurance can save you money on your insurance in other ways too. For example, if you combine policies with the same company, your savings can be substantial and we have many excellent insurance and risk management options we can show you.

Are you a safe driver? Did you know some insurance companies provide discounts for safe drivers and your independent insurance broker can tell you about deals that many people are not aware of. When you come to Vienneau Insurance we can help you with your home, auto, life, and business insurance, and not only save you money, but make sure you have the best possible coverage in place.

Please don’t drive your ATV uninsured or underinsured when affordable coverage is available. Check us out today for a free quote on your four wheeler insurance.