Hit the Trails or the Open Road? Make Sure Your Summer Ride Is Insured
Summer in Ontario means longer days, warmer weather and more opportunities to enjoy the outdoors. For many people, that means bringing out the motorcycle, ATV, side-by-side or other recreational vehicle that has been waiting all winter for some action.
Before you hit the road or the trails, there’s one important item that shouldn’t be overlooked: insurance.
Whether you’re a seasoned rider or you’re purchasing your first recreational vehicle, taking a few minutes to review your insurance can help protect you, your vehicle and your finances.
Motorcycles Need the Right Coverage
In Ontario, motorcycle insurance is mandatory when operating a motorcycle outside private property. Motorcycle insurance is a specialty product, and not every insurance company offers it. Your premium can also be affected by factors such as your driving and riding experience, location, motorcycle type, engine size and whether you have completed an approved motorcycle training course.
But having insurance isn’t just about meeting the legal requirements.
Depending on your policy, you may have options for coverage that protects your motorcycle against damage or loss, including comprehensive, collision or upset, specified perils and all-perils coverage. Higher liability limits and increased accident benefits may also be available.
What About ATVs and Off-Road Vehicles?
ATVs and other off-road vehicles can provide plenty of summer fun, but they come with their own insurance considerations.
In Ontario, off-road vehicles—including certain ATVs and motocross bikes—generally require the same mandatory insurance coverage as an automobile when operated somewhere other than the private property of the vehicle’s owner.
That means you shouldn’t assume that your regular automobile or home insurance automatically provides the protection you need.
If you’ve purchased a new ATV, side-by-side or other recreational vehicle since your last policy review, let your broker know. Your insurance needs may have changed along with your toys.
Don’t Forget About What You’re Carrying
Your recreational vehicle is only part of the picture. Riders often have additional equipment and accessories, such as helmets, riding gear, trailers, tools and other equipment.
Coverage for these items can vary depending on the policy, so it’s worth asking your broker exactly what is covered and under what circumstances.
The same goes for modifications or accessories you’ve added to your motorcycle or ATV. If you’ve customized your vehicle, make sure your insurer knows about it.
Summer Is the Perfect Time for an Insurance Check-Up
Before heading out for your first ride of the season, take a few minutes to review your policy.
Ask your insurance broker:
- Is my motorcycle or ATV properly insured for how I use it?
- Do I have enough liability coverage?
- Is my vehicle covered for theft, fire or accidental damage?
- Are my accessories and equipment covered?
- Does my coverage apply where I plan to ride?
- Have there been any changes to my vehicle or how I use it?
It’s also important to remember that Ontario’s 2026 accident benefits changes apply to motorcycles, snowmobiles and all-terrain vehicles as well as other auto insurance policies. Some accident benefits are now optional, so reviewing your coverage can be especially important this year.
Ride Smart. Ride Protected.
Summer goes by quickly, so don’t let an insurance question keep you parked in the driveway.
Whether you’re planning weekend motorcycle rides, exploring Ontario trails on an ATV or simply bringing a recreational vehicle out of storage, talk to your insurance broker before you ride.
A quick coverage review can help make sure your summer adventures are about enjoying the ride—not worrying about what happens if something goes wrong.
Ready to get your summer ride insured or review your existing coverage? Contact us today. We’re here to help you find the coverage that’s right for you.
Insurance coverage varies by policy, insurer and individual circumstances. This article provides general information and is not a substitute for reviewing your specific policy with a licensed insurance professional.
