ATV Season Is Here: Make Sure You’re Covered Before You Hit the Trails

As ATV season approaches across Canada, riders are gearing up for another exciting season on the trails. With increased activity comes increased risk—making now the perfect time to ensure you have the right insurance coverage in place before you ride.

Whether you're an occasional rider or a frequent trail explorer, having specialized coverage designed for off-road vehicles can make all the difference when it matters most.

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Why Off-Road Vehicle Insurance Matters

Standard home or auto policies often don’t provide the protection needed for ATVs, side-by-sides, snowmobiles, or dirt bikes. A dedicated off-road policy ensures you’re covered for the unique risks that come with outdoor adventure.

With the right coverage, you can ride with confidence knowing you're protected against:

• Liability exposures on and off designated trails
• Physical damage to your unit
• Unexpected incidents that could impact your finances

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What to Look for in ATV Insurance

Not all policies are created equal. When choosing coverage, it’s important to look for solutions that are flexible, comprehensive, and built specifically for off-road use.

Here are some key features to consider:

Comprehensive Protection

• Up to $2,000,000 in Third Party Liability
• Accident Benefits coverage
• Physical Damage protection with flexible deductible options

Enhanced Coverage Options

• Replacement Cost coverage (up to 24 months)
• Protection for aftermarket modifications like turbochargers or upgrades
• Rider enhancements such as:
  • Search & Rescue coverage
  • Riding gear protection
  • Trailer and truck deck extensions
  • Travel protection

Flexible Usage

• Coverage for both recreational and business use
• Options for short-term rentals (individual or fleet)

Designed for Riders

• Coverage available for both standard and higher-value units
• Discounts available for ATV, snowmobile, and dirt bike association members
• Stand-alone policies that help protect your home or auto claims-free discounts

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Built for Speed and Simplicity

Today’s insurance solutions are designed to be fast and easy. Many programs allow policies to be quoted, bound, and issued in just minutes—so you can spend less time on paperwork and more time riding.

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About Oasis Insurance

Oasis Insurance is an independently owned Managing General Agency dedicated to supporting brokers and riders across Canada with innovative off-road and specialty insurance solutions.

With a focus on outdoor adventure risks, Oasis provides tailored coverage options for:

• Off-Road Vehicles
• Commercial operations
• Pedal power (bike and e-bike insurance)

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Get Exploring. Get Protected.

Before you head out this season, take a moment to review your coverage and make sure it fits your needs. The right policy doesn’t just protect your vehicle—it protects your experience.

Visit www.oasisinsurance.ca to learn more

Contact our team at 1-866-979-2747 or oasis@oasisins.ca