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 motorhome, ATV or snowmobile 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 insurance and ATV insurance policies can start as low as a few hundred dollars per year, while motorhome insurance and RV insurance vary more widely with the size and value of the unit. The best way to know your rate is to get a free quote — that's exactly what we're here for.
Do I need insurance to ride Ontario snowmobile trails? +
In Ontario a snowmobile must be registered and carry liability insurance to be driven anywhere other than land you own. An OFSC trail permit is separate from insurance — the permit gives you trail access, not coverage, so you need both. Your advisor can confirm exactly what applies to how and where you ride.
Do you insure RVs, travel trailers and campers? +
Yes. We arrange motorhome insurance and RV insurance for Class A, B and C motorhomes, along with travel trailers, fifth wheels, campers and tent trailers. Coverage can include liability, collision, comprehensive, contents, emergency vacation expenses and seasonal storage — your advisor will tailor it to how and where you travel in Ontario.
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.
