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Personal Insurance | Trailers & Leisure Lines Insurance

Trailers & Leisure Lines Insurance

Whether you’re exploring snowy fields on a snowmobile or tackling rugged trails on an ATV, quad, or UTV, having the right insurance is essential to protect both you and your recreational vehicle. At KRGinsure, we offer comprehensive insurance solutions to ensure your adventures are covered, no matter where they take you.

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Mandatory Off-Road Coverages

Liability Insurance

Liability insurance covers you if you’re in an accident and held responsible for injuries or death of other people. It also covers damage to their vehicle or property. Essential for:

  • Accident Coverage: Protection against legal claims and compensation for damages.
  • Third-Party Property Damage: Covers costs related to damage caused to other people’s property or vehicles.

Accident Benefits

Accident benefits provide financial support for medical bills, rehabilitation, funeral costs, and loss of income due to disability. These benefits ensure you have the necessary support after an off-road accident. (Not applicable in Quebec.)

Direct Compensation – Property Damage

This coverage is available in Ontario, New Brunswick, and Nova Scotia and covers damage to your off-road vehicle and certain property it carries when another insured motorist is responsible for the accident. It simplifies the claims process by allowing you to collect compensation directly from your own insurance company.

Optional Off-Road Insurance Coverages

1. Collision or Upset Coverage Collision coverage pays for the repair or replacement of your ATV, snowmobile, quad, or UTV if you collide with another vehicle or object, such as a tree or guardrail. Coverage extends up to the actual value of your vehicle, minus the deductible.
2. Comprehensive Coverage Comprehensive insurance covers a wide range of non-collision-related damages, including:
Windshield Damage: Repairs or replaces damaged windshields.
Theft and Vandalism: Protects against theft and vandalism.
Natural Disasters: Covers damages from fire, falling objects, lightning, explosions, or animal impacts.
3. All Perils Coverage All Perils coverage combines the benefits of Collision and Comprehensive insurance, offering extensive protection for a variety of risks your recreational vehicle might face.

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Why You Need Recreational Vehicles, Trailers & Leisure Lines Insurance

Recreational vehicles are high-value assets that face unique risks such as theft, accidents, and damage from natural elements. Specialized insurance not only protects these significant investments but also meets legal requirements and provides peace of mind, ensuring that you’re covered for repairs, liability, and emergencies specific to off-road and leisure activities.

Who Is This For?

KRGinsure’s recreational vehicle insurance is perfect for:

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Off-Road Enthusiasts

Enjoying adventures on ATVs, snowmobiles, quads, and UTVs.

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Seasonal Riders

Using recreational vehicles during specific seasons.

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Trail Explorers

Navigating backwoods trails and remote areas.

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Multi-Vehicle Owners

Holding various types of recreational vehicles needing comprehensive coverage.

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Adventure Seekers

Taking on diverse terrains and requiring robust insurance for peace of mind.

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Get Covered for Every Adventure

Don’t let the risks of the terrain hold you back. Contact KRGinsure today to get a personalized quote for your recreational vehicles, trailers, and leisure lines insurance. We’ll help you find the best coverage options so you can enjoy your adventures with confidence.

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