Recreation Insurance
ATV’s and Snowmobiles
Your home insurance policy may cover your recreational vehicles, but do not assume they are completely accounted for. Check with Porter and McMillan for your peace of mind.
For example campers and other vacation trailers are not covered. They need to be insured on a separate policy through ICBC with basic coverage that includes comprehensive and collision.
Dirt Bikes can only be insured through ICBC. Other recreational vehicles such as ATV’s and snowmobiles can be insured through ICBC or through a competitive private insurance market for liability, collision and comprehensive.
We have private competitive markets available that offer superior coverages with extensions such as emergency vacation coverage, additional personal belongings coverage.
Renew your ATV insurance on-line
Frequently Asked Questions
What if I cancel my Physical Damage policy, do I get a premium refund?
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Yes and no. The policy has a minimum and retained premium of $250 and the premium id fully earned after four months. So, yes, if you cancel within the first four months of the effective date and if the annual premium was greater than $250. And, no, if you ask to cancel after the first four months of the policy.
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Can I cancel my policy anytime?
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Yes, but the policy is subject to a minimum $250 retained charge and the premium is fully earned four months after the effective date. This means that your policy may be canceled at any time however, if you cancel it more than four months after the effective date there will be no refund.
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Who can operate my ATV?
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Coverage is excluded if the ATV is used by any operator who has more than the accepted number of traffic violations, who has less than three years similar experience or who is under the influence of drugs or alcohol.
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Can I use my vehicle for business and have coverage under this policy?
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No. Coverage does not apply while an insured unit is being used for any business purposes such as rental or lease to another party. However, a unit used on a farm is okay, as is a unit that is used by the registered owner for transportation to a work site.
I have three speeding tickets from the past three years. Can I qualify for this program?
No. Eligibility for the program required that you have no major violations, and no more than two minor violations under the Motor Vehicle Act within the last three years.
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Is aftermarket equipment covered?
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If extra equipment is attached to the insured vehicle and the value of that equipment was included in the insurance limit purchased, it will be covered. It is highly recommended that receipts for the original purchase of the added equipment be kept and that photos are kept that prove the existence of the extra equipment.
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What is All Perils Coverage?
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All perils is the broadest coverage option, which covers against all risks of direct physical loss or damage not specifically excluded in the policy. It includes comprehensive and loss or damage caused by collision with another object or upset of the ATV.
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How is the value of my ATV determined if I do have a loss?
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The basis of settlement is Actual Cash Value. Actual Cash Value is the value of the unit immediately preceding any loss. Market value along with original cost and depreciation are factors used when calculating a claim.
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How do I establish the value of my All Terrain Vehicle?
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If the ATV is new, the manufacturer’s suggested retail price including taxes should be the insured value. And don’t forget to include the value of any attached equipment. IF your ATV is used, contact your local dealer for an estimate of what a machine similar to yours would sell for, and remember to include the value of any taxes. There is a “blue book” price available from most dealers as well.
