Recreational Insurance

We call them our “toys,” but we know they’re not. Recreational and off-road vehicles such as snowmobiles, All Terrain Vehicles (ATVs) and Quads all require specific insurance to be properly covered when riding.

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Why InRoads?

At InRoads we understand that protecting your family and belongings/possessions is important to you. It’s important to us too. We listen, then help guide you along the way so you get the best value and service for all your insurance needs.

InRoads Insurance Brokers. Your personal insurance advisor.

inexperienced drivers

Frequently Asked Questions

We’re here to help you find the right insurance coverage for your needs. Here are answers to your frequently asked insurance questions.

Our team of insurance professionals takes the mystery and stress out of being insured. If you have questions, fill out the form above and we’ll connect with you directly.

What does recreational insurance cover?

Recreational insurance offers coverage for specialty personal insurance products including: ATVs and Quads, snowmobiles, recreational vehicles, mobile homes, holiday trailers, park model trailers, 5th wheels, watercraft, including sailboats, power boats, cruisers, antique and classic boats, and antique, classic and custom cars.

Do I need insurance for an ATV?

In Ontario, the law requires that an ATV be insured under a motor vehicle liability policy. This means an automobile insurance policy. Without this, you are not allowed to ride anywhere but your own property.

How much does ATV insurance cost?

ATV insurance can cost anywhere from a few hundred dollars to over a thousand dollars per year. The cost for ATV insurance varies depending on a number of factors, including where you live and your driving history.