Off-Road Vehicles

Insurance for every adventure!

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Fast, Flexible, and Fully Covered

Off-Road Vehicles Now Available for SPG Canada Policyholders

Beacon makes it easy to insure your off-road vehicles (including ATVs, snowmobiles, off-road bikes, and snow bikes) in British Columbia, Saskatchewan and Manitoba. Our policy provides Liability and/or Physical Damage coverage options, with either an All Risk or Specified Perils policy wording.

Our Agreed Value policy means total losses are settled at the limit of insurance, while partial losses are settled on the actual cost of repairs.

Off-Road Vehicles

Coverage includes:

  • Riding gear
  • Lock re-keying (when keys are stolen)
  • Travel protection and loss of use
  • Safety and maintenance equipment
  • Reward coverage
  • Optional Accident Benefits & Rescue Expense coverage

Ask your insurance broker about mySPG’s Off-Road Vehicles coverage.

BC FAQs

We will pay the cost of retrieving and repairing the unit, if it’s involved in a covered loss, up to the limit. So, the limit of coverage for retrieval (in the event of a covered loss) is the limit shown on the dec. page. It’s important to note that retrieval expenses are inclusive of (not in addition to) the limit of insurance shown on the dec. page. Whatever is paid for retrieval reduces the amount available to pay for repairs.
No. Search and Rescues mission is to find people – not things.
Search and Rescue isn’t always free depending on where you are using your unit. It’s also important to remember this coverage only kicks in if you are obligated to pay by reason of liability imposed upon you by law or statute.
Yes. Depending on the coverage required, it may be best to place all risk coverage and off-road liability on the same policy. This would provide coverage on and off road for physical damage and off-road liability. If you do not use the Enduro bike off road, and do not require off road liability – the bike can be placed on the Beacon RideSmart Motorcycle Program.
These are private pleasure use only policies. Consideration can be given to add Incidental Business Use to the policy but must fit within underwriter guidelines and must be approved by the Practice Leader. Please talk to your insurance broker for more information on this option.
All applicants must be of legal age to enter a contact (18 years of age). A minor can be listed as a primary operator, but the policy will need to be in the name of the guardian/parent. It’s important to remember this is third party liability and is not covering the minor. It’s also important to remember that all operators must be abiding by the law, and all manufacturer safety operating guidelines.
Yes.
Yes, but exclusions apply regarding property that is waterborne.
The difference is collision coverage.
As long as the operator is abiding by the law, and has all risk coverage, the policy would respond to a covered collision claim in this situation.
Any Off-Road Club that requires a paid membership will go toward obtaining a Club Membership Discount on your policy. Let your broker know if you don’t see this discount on your policy declaration page.

SK and MB FAQs

We will pay the cost of retrieving and repairing the unit, if it’s involved in a covered loss, up to the limit. So, the limit of coverage for retrieval (in the event of a covered loss) is the limit shown on the dec. page. It’s important to note that retrieval expenses are inclusive of (not in addition to) the limit of insurance shown on the dec. page. Whatever is paid for retrieval reduces the amount available to pay for repairs.
No. Search and Rescues mission is to find people – not things.
Search and Rescue isn’t always free depending on where you are using your unit. It’s also important to remember this coverage only kicks in if you are obligated to pay by reason of liability imposed upon you by law or statute.
The liability mentioned in this policy is in excess to any coverage provided through SGI for Snowmobiles. And primary for all other ORV’s.
These are private pleasure use only policies. Consideration can be given to add Incidental Business Use to the policy but must fit within underwriter guidelines and must be approved by the Practice Leader. Please talk to your insurance broker for more information on this option.
All applicants must be of legal age to enter a contact (18 years of age). A minor can be listed as a primary operator, but the policy will need to be in the name of the guardian/parent. It’s important to remember this is third party liability and is not covering the minor. It’s also important to remember that all operators must be abiding by the law, and all manufacturer safety operating guidelines.

Yes.

Yes, but exclusions apply regarding property that is waterborne.

Any Off-Road Club that requires a paid membership will go toward obtaining a Club Membership Discount on your policy. Let your broker know if you don’t see this discount on your policy declaration page.

Resources

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Get a Quote!

AC&D Insurance (British Columbia)
www.acdinsurance.com

Reframe Insurance (British Columbia)
www.reframeinsurance.ca

Swift Insurance (Manitoba)
www.swiftins.ca

JEM Insurance (Manitoba)
www.jeminsurance.ca

Winnipeg Insurance Brokers (Manitoba)
www.winnipeginsurancebrokers.com

If you can’t find your Beacon broker, call them directly or click here to search the broker list.