Ontario Recreational Vehicle Insurance

Ride With Confidence — Get the Right Coverage

Whether you ride a snowmobile, ATV, motorcycle, boat, or personal watercraft — we'll connect you with a licensed Ontario advisor who will find you the right coverage at the right rate.

  • Snowmobiles, ATVs & off-road vehicles
  • Motorcycles & dirt bikes
  • Boats, jet skis & watercraft
  • Licensed advisors — free, no-obligation quote

Get Your Free Recreational Quote

100% Free No Obligation Same-Day Response

Fill in the form and a licensed advisor will be in touch shortly.

🔒 Your information is secure and will never be shared.

✓

We've received your request!

A licensed advisor will be in touch shortly to discuss your coverage options. Keep an eye on your inbox.

★ Licensed Ontario Advisors
✓ All Recreational Vehicles
⚡ Same-Day Response
🔒 No Obligation, Ever
Simple Process

Get Your Vehicle Covered in 3 Easy Steps

1

Tell Us About Your Vehicle

Fill out the short form above. Takes less than 60 seconds — just the basics about you and what you ride.

2

Advisor Reaches Out

A licensed Ontario advisor contacts you — usually the same day — with coverage options tailored to your vehicle and riding habits.

3

Get Covered & Ride

Choose the policy that fits your needs and budget. No pressure — just honest advice from someone who understands recreational vehicles.

What We Cover

Coverage for Every Recreational Vehicle

From snowmobiles to jet skis — whatever you ride, we'll connect you with the right policy at the right rate.

Snowmobile on a snowy trail

Snowmobiles

Liability, collision, comprehensive, and trail coverage for all makes and models — including multi-sled discounts.

ATV riding on a trail

ATVs & Off-Road Vehicles

Quads, side-by-sides, UTVs, and dirt bikes — on and off the trail, we've got the coverage to match how you ride.

Boat on a lake

Boats & Watercraft

Fishing boats, pontoons, ski boats, jet skis, and PWCs — hull coverage, liability, and on-water protection.

Motorcycle on a highway

Motorcycles

Sport bikes, cruisers, touring bikes, and trikes — year-round or seasonal policies to suit every rider.

Why Insurance Ontario

We Make Recreational Insurance Easy

🏆

Licensed Ontario Advisors

Every advisor is fully licensed in Ontario and understands the unique risks of riding and boating — no call centres, no generic advice from someone who's never been on a trail.

🏍️

Riders Helping Riders

We specialize in recreational vehicles. Whether it's seasonal storage, trail coverage, or multi-vehicle discounts — we know what matters to Ontario riders.

💰

Competitive Rates

We shop multiple Ontario insurers on your behalf to find you the best rate — without cutting corners on the coverage that actually protects you on the water or trails.

Real Ontario Riders

What Ontario Riders Are Saying

★★★★★
"I've had my sled insured for years but never felt like I had the right coverage. My advisor actually rides too — he knew exactly what I needed. Got a better rate and way better peace of mind."
DM
Dave M.
Snowmobile rider, Sudbury
★★★★★
"We have two ATVs and a boat — insurance was spread all over the place. Insurance Ontario got it all together with one advisor, saved us money, and the process was fast. Heard back same day."
TK
Tracy K.
ATV & boat owner, Barrie
★★★★★
"Switched my motorcycle insurance after getting a quote. Saved about $200 and the coverage is actually broader than what I had. The whole thing took maybe 20 minutes. Would recommend to any rider."
MR
Mike R.
Motorcycle rider, Kingston
Common Questions

Frequently Asked Questions

Is recreational vehicle insurance required in Ontario? +
It depends on the vehicle and where you ride. Motorcycles require mandatory liability coverage to operate on public roads. Snowmobiles and ATVs ridden on public trails or roads also require liability coverage. Boats over a certain horsepower are typically required to carry liability insurance as well. Even where it's not legally required, it's strongly recommended — your advisor will walk you through exactly what applies to your situation.
How much does recreational vehicle insurance cost in Ontario? +
Costs vary depending on the vehicle type, make and model, your riding history, and the level of coverage you want. Snowmobile and ATV policies can start as low as a few hundred dollars per year, while motorcycles and boats vary more widely. The best way to know your rate is to get a free quote — that's exactly what we're here for.
Can I insure multiple recreational vehicles on one policy? +
In many cases, yes. Some insurers offer multi-vehicle discounts when you insure more than one recreational vehicle together. Your advisor can explore bundling options for your specific combination of vehicles and find you the best overall rate.
Is there any obligation to purchase after I submit the form? +
None whatsoever. This is a completely free, no-obligation quote. We'll present your options and let you decide — no pressure, no pushy follow-ups if you're not ready to proceed.
How quickly will I hear back after submitting? +
In most cases you'll hear from a licensed advisor the same business day. During busy periods it may be the next morning — but we always follow up promptly.

Ready to Ride With Confidence?

It takes less than 60 seconds. Free quote, no obligation — just honest advice from a licensed Ontario advisor who knows recreational vehicles.

Get My Free Recreational Quote →
Get My Free Recreational Quote →