Recreational and seasonal vehicles insurance
Call us for a made-to-measure quote
1 833 644.7899
Driving isn’t always about just getting from point A to point B
Sometimes, it’s about the thrill of the ride. No matter if you’re an avid snowmobiler, you enjoy using an all-terrain vehicle in the summer or the call of the road finds you cruising down the highway, belairdirect has the recreational vehicle insurance coverage you need that will keep you on-budget.
We’ve got answers to the most popular
seasonal and recreational insurance questions
1 - What is recreational vehicle?
A recreational vehicle is a mode of transportation that you drive or ride during select periods of the year, such as a snowmobile in the winter or your ATV that you use during the summer.
Recreational vehicles can include:
- Snowmobile
- ATVs
- Fifth wheels
- Travel trailers
**It’s important to note that different provinces classify different types of vehicles as recreational or as seasonal vehicles. Talk to your insurance agent and refer to the provincial website where you live for more information.
2 - What is recreational vehicle insurance coverage?
Unlike your everyday vehicle that you use year-round, a recreational vehicle only leaves the garage at certain times of the year. Depending on the vehicle, they can also be driven on more unique terrain, like when you take your ATV off-road or your snowmobile across a frozen lake. This creates a unique set of coverage requirements when it comes to your insurance.
3 - Should i cancel my insurance i'm not using the vehicle for long periods of time ?
No. Although you may think you’re saving money, you’re simply putting yourself at financial risk. Recreational vehicle coverage takes into consideration the fact that your vehicle won’t be driven for long stretches and adjusts your insurance premiums accordingly. This allows you to keep your recreational vehicle protected year-round, even while it’s in storage.
When you decide to cancel your insurance, you lose all coverage and benefits. Therefore, if something were to happen, like a fire in the storage facility where you keep your vehicle, you’ll have to pay for all the damage out of pocket.
Remember to contact your insurer a few weeks before taking your vehicle out of storage to make sure your recreational vehicle insurance policy is up-to-date and that you’re covered before you hit the road.
Call us to get a recreational vehicle insurance quote today!
1 833 644.7899
