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Off-Road Insurance Program for ATV’s, Snowmobiles, Trail Bikes, and Dune Buggies

Posted by Farrell Agencies on March 14, 2018

Got Toys ATV & Snowmobile Policies click here to apply now!

Off-Road Insurance Program available as a Home Policy Add-On or Stand Alone Policy

Got Toys insurance is for personal ATV’s, snowmobiles, trail bikes, and dune buggies. Currently they offer liability up to $2,000,000, Accident Benefits and physical damage options of all risk, comprehensive or specified perils. Got Toys do not require supporting business such as your homeowners or other personal insurance. Discounts are available to club members, and further discounts for safety training courses and immobilizers are also available if you qualify.

The GOT TOYS insurance policy covers you anywhere you can legally ride in Canada or the continental United States.

You have an option of $1,000,000 or $2,000,000 limits on third party liability while being operated by a licensed operator. This provides you legal liability. If you injure others (including your passenger) or damage their property, they can sue you; including defense cost.

Got Toys can endorse coverage for Personal Accident Benefits. This covers basic  Accident Benefits 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.

If you have an aftermarket turbo charged snowmobile or have modified it to operate on nitro the machine still qualifies for insurance including physical damage coverage and Replacement Cost (if applicable) once declared on an online manual application. A surcharge may apply.

GOT TOYS offers All Peril coverage, 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).
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

Got Toys offers 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. This endorsement can be added to the policy within 120 days from the date of the purchase of the unit.

Got Toys offers 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

There is a 10% discount for any principle operator who is 50 years or older and are claims and conviction free for the last 3 years. A 10% surcharge will be applied if you have 1 claim in the past 3 years (surcharge may increase for 2 or more).

In order to write a Got Toys Policy we do need to see the unit to inspect it for any damages unless you are within 10 days of your date of purchase on the Bill of Sale.

Please click here to apply for an off road insurance policy available as a Home Policy Add-On or Stand Alone Policy.

 

 

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