OFF-ROAD VEHICLE INSURANCE

Your next adventure deserves a little backup.

Whether you’re tearing up the trails on an ATV or heading out on your snowmobile, Garriock can help you find coverage for the way you ride.

Protect the good stuff

The things you enjoy most are worth protecting. Whether it’s a snowmobile on the trails or an ATV in the backcountry, the right coverage helps you enjoy them without worrying about what could go wrong.

Garriock Insurance can help you protect the recreational vehicles that are part of your lifestyle. We’ll take the time to understand what you have and how you use it, then help you find coverage that makes sense.

Because the things you work hard for should be there to enjoy.

Protection for snowmobiles against accidents, theft, and liability so your family can enjoy Manitoba winters safely.

Covers ATVs, side-by-sides, trail bikes, Argos, Dune Buggies, and Sherp style vehicles for damage, liability, and unexpected incidents on trails and rural properties.

Coverage Options

Replacement Cost Coverage (24 Months)
Business Use & Short Term Rental Coverage
$2,000,000 Liability, Accident Benefits & Physical Damage
Rider Plus Enhancements Included
Coverage for Standard & High Value Units
ATV, Snowmobile & Dirt Bike Member Discounts
Stand Alone Policy Protecting Claims Free Discounts
Coverage for Turbo & Supercharger Modifications
Coverage for units used or stored Out of Province

FAQ: Off-Road Vehicle Insurance

Snowmobile Insurance

What is snowmobile insurance?
Snowmobile insurance provides protection for your snowmobile against risks such as accidents, theft, damage, and liability while riding or storing your machine.

Is snowmobile insurance required in Manitoba?
Snowmobile insurance requirements depend on how and where the snowmobile is used. If you operate a snowmobile on public trails or certain designated areas, specific coverage requirements may apply.

What does snowmobile insurance cover?
Snowmobile insurance can include coverage for physical damage, theft, fire, vandalism, and liability protection. Optional coverage can be tailored to how you use your snowmobile.

Does my home insurance cover my snowmobile?
Home insurance may provide limited coverage for certain recreational vehicles in specific situations, but it typically does not provide the same protection as dedicated snowmobile insurance.

Do I need insurance if my snowmobile is only used at the cabin?
Even if your snowmobile is primarily used on private property or at a seasonal residence, insurance can help protect against unexpected damage, theft, and liability risks.

ATV & Off-Road Vehicle Insurance

What is ATV insurance?
ATV insurance provides coverage for all-terrain vehicles and off-road vehicles used for recreation, work, or property maintenance. It helps protect against risks such as damage, theft, and liability.

Do I need insurance for an ATV in Manitoba?
Insurance requirements depend on how and where your ATV is used. Many ATV owners choose coverage to protect their investment and provide liability protection while riding.

What does ATV insurance cover?
ATV insurance can cover physical damage, theft, fire, vandalism, and liability claims. Coverage options depend on the vehicle, how it is used, and the level of protection selected.

Does my home insurance cover my ATV?
Home insurance may provide limited protection for certain recreational vehicles, but it often does not provide the same coverage available through a dedicated ATV policy.

Can I insure an ATV used for both recreation and work?
Yes. ATV insurance can often be tailored based on how the vehicle is used, whether for trail riding, property maintenance, farming, or other purposes.

General Recreation & Lifestyle Insurance

What is recreation and lifestyle insurance?
Recreation and lifestyle insurance protects the vehicles, equipment, and personal items that support the activities you enjoy. It provides specialized coverage for risks that may not be fully covered under standard home insurance.

What types of recreational items can be insured?
Coverage may be available for boats, personal watercraft, snowmobiles, ATVs, off-road vehicles, collectibles, jewelry, artwork, and other high-value personal items.

Why isn’t my regular home insurance enough?
Standard home insurance provides important protection, but it may have limits, exclusions, or coverage gaps for certain recreational vehicles and high-value possessions. Specialized insurance helps provide protection designed for these unique risks.

How much does recreation and lifestyle insurance cost?
Premiums depend on factors such as the type and value of the item, how it is used, where it is stored, and the coverage options selected.

Why choose Garriock Insurance for recreation and lifestyle insurance?
Garriock Insurance helps families protect the things they enjoy most, from boats and snowmobiles to valuable collections and recreational vehicles. Our brokers take the time to understand your lifestyle and recommend coverage that fits your needs.

Coverage varies by policy and operation. Contact us for specifics.