Off-Road Insurance Program
available as a Home Policy Add-On or Stand Alone Policy
Request for Off-road Insurance
FAQ’s from Insurance Provider Oasis Insurance:
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The GOT TOYS insurance policy covers you anywhere you can legally ride in Canada or the continental United States
What limits can I buy?
You have an option of $1,000,000 or $2,000,000 limits on third party liability while being operated by a licensed operator.
What is a third party liability?
This provides your legal liability. If you injure others (including your passenger) or damage their property, they can sue you; including defense cost.
Sometimes I ride with a passenger. Am I still covered?
Yes, if the unit was built to hold a passenger, we have no exclusion for riding with a passenger
Sometimes I lend my machine to someone else. Am I still covered?
Yes, as long as they can legally operate the unit.
Do you have a mandatory expiry date on liability?
NO our policies expire one (1) year from the effective date.
I may use my machine for incidental business use. Am I covered?
Yes if you declared this on your application and were rated accordingly
What if I am injured in an accident while operating my unit?
You can purchase Personal Accident coverage.
What is Personal Accident?
This covers basic for losses incurred by the Insured while getting on to or alighting from or operating or riding as a passenger on an off road vehicle during the policy period.
Basic: covers permanent total or partial disablement.
Enhanced: coverage includes basic plus weekly indemnity, accidental death, ambulance expenses, medical expense reimbursement and much more.
Can I buy the Personal Accident without purchasing liability?
No, it is only available with liability insurance.
Can I buy insurance on my unlicensed Trail Bike?
Yes, subject to the same terms and conditions as for other off road vehicles
Can I insure my quad, snowmobile, dune buggy and trail bike all in 1 policy?
Yes, all your off road vehicles can be insured under one policy.
Is coverage all with the same insurance company?
Yes, with certain Underwriters at Lloyd’s of London.
What if I have an aftermarket turbo charged snowmobile or have modified it to operate on nitro?
They still qualify for insurance including physical damage coverage and Replacement Cost (if applicable) once declared on an online manual application. A surcharge may apply.
What physical damage coverage do you offer?
GOT TOYS offers All Perils, which includes collision or upset, or Comprehensive which is All Perils excluding collision or upset. Both provide coverage for fire and theft with no restrictions, and all have a $500 deductible all losses (unless otherwise stated).
What limits can you offer on physical damage?
We offer up to $ 40,000 for physical damage on quads, dune buggies or sleds, and up to a limit of $25,000 on a trail bike
Do you offer Replacement Cost with no depreciation?
Yes, we offer true Replacement Cost (not to be confused with agreed value) at $45. It runs for 24 months from date of delivery of your ATV or sled including inflation guard. A copy of the bill of sale must be provided and the unit insured for 100% of value including attachments, modifications and taxes. Replacement cost is only available if physical damage has been purchased.
What about my trailer, is it insured?
Yes, a dedicated trailer or deck is automatically insured if physical damage has been purchased for the same coverage you have on your off road vehicle, up to a limit of $ 1,000. Higher limits can be purchased if needed.
Does GOT TOYS rating offer discounts?
Yes, we offer discounts for:
- $1,000 deductible discount
- SATV – Saskatchewan ATV Assoc. members 12.5% discount on ATV’s
- SSA – Saskatchewan Snowmobile Assoc. members 5% discount on Snowmobile
- SMA – Saskatchewan Motorcross Assoc. members 5% discount on Trail Bikes
- 10% discount for any principle operator who is 50 years or older and are claims and conviction free for the last 3 years
What if I have a claim, does it affect my coverage or premiums on renewal?
Yes, a 10% surcharge will be applied if you have 1 claim in the past 3 years (surcharge may increase for 2 or more).