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Beacon by SPG Canada

Beacon Off-Road Vehicles

Insurance for every adventure!

off road

Fast, Flexible, and Fully Covered

Beacon Off-Road Vehicles, Now Part of mySPG

Coverage made for off-road riders, placed through brokers who know your needs.

Off-road vehicles like ATVs, snowmobiles, off-road bikes, and snow bikes carry unique risks that standard auto policies aren’t built to handle. That’s why SPG Canada offers Beacon Offroad Vehicles, a specialty program available through licensed insurance brokers in British Columbia, Saskatchewan, and Manitoba.

Off-Road Vehicles

The program is designed to give riders flexible options that match how they actually use their vehicles:

  • Liability coverage to protect against third-party claims.

  • Physical Damage coverage for the vehicle itself, available with All Risk or Specified Perils wording.
  • Agreed Value settlement: total losses settled at the full insured limit, with partial losses covered at the actual cost of repairs.

Insurance brokers across BC, SK, and MB can help match the right coverage to the right vehicle and use case. To explore Beacon Offroad Vehicles, Talk to your broker about Beacon Offroad Vehicle and check if the program fits your needs.

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.