Off Road Vehicle Insurance
Whether you're exploring the trails around Coquitlam or venturing into the rugged BC backcountry, Poco Insurance is here to protect you and your off-road vehicle. Our specialized insurance policies offer comprehensive coverage for your ATV, dirt bike, snowmobile, or other off-road vehicles. With us, you can focus on the adventure, knowing that we’ve got you covered every step of the way.
Important Reminder: As of November 2015, all off-road vehicle owners in BC must register their vehicles with ICBC if they operate on a highway or crown land. Liability coverage is mandatory on all BC Forest Service Roads, and if you use your vehicle on or to cross a highway, you must also purchase ICBC Basic Liability. Our team is here to assist you with the entire registration and insurance process.
Unmatched Coverage Options at Poco Insurance
Off Road Vehicle Insurance Features
Off-road vehicle insurance needs vary depending on where you ride, and it’s essential to have coverage that fits your specific requirements. We offer a range of ICBC and private insurer options with features like:
Available through ICBC, this policy provides basic and extended liability for property damage or injury caused while operating your off road vehicle on a road crossing or parking lot.
Provides liability for property damage or injury caused while operating your off road vehicle in off road areas such as forest service roads and crown land.
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Protects your Off Road Vehicle against a range of perils including Collision, Fire, Theft, Falling Trees, and Vandalism.
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Provides extended injury and medical benefits if you are injured while operating your off road vehicle.
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Extends coverage for, loss or damage, to your essential riding gear such as helmets, boots, and more.
Why Choose Poco Insurance for Your Off Road Vehicle Insurance?
At Poco Insurance, we’re not just brokers—we’re your neighbors, and we understand the unique needs of off-road enthusiasts in BC. We offer personalized service to ensure you receive the best coverage for your adventures. With our local expertise, you can ride with confidence, knowing that your off-road vehicle and gear are protected.
Get a Custom Off Road Quote
Frequently Asked Questions about Off Road Vehicle Insurance
Got questions about off-road vehicle insurance? Below are some common inquiries. For more detailed information, we encourage you to speak with one of our expert brokers who can provide advice tailored to your specific needs.
Do I need to register my off road vehicle?
Yes, if you operate your off-road vehicle on crown land or roads, it must be registered with ICBC. If you only use it on private land, registration is recommended as it helps maintain proper ownership records and simplifies the vehicle purchasing or selling process.
How Much is Off Road Vehicle Insurance?
Liability insurance for off-road vehicles typically starts as low as $60 per year. If you want to add “Own Damage” coverage, premiums usually range from $300 to $500, depending on factors like your vehicle's year, make, and model, the rider’s experience, and the level of coverage.
Is Insurance for Off Road Vehicles Mandatory?
Yes, liability insurance is required if you operate your off-road vehicle on parking lots, roadways, or forest service roads. Failing to have insurance could result in fines or having your vehicle impounded by law enforcement.
Can I get insurance for my riding gear?
Yes, our policies can cover your essential riding gear, including helmets and protective clothing. Discuss your needs with our brokers to ensure your gear is protected.
What types of off-road vehicles do you insure?
We offer coverage for a wide variety of off-road vehicles, including ATVs, dirt bikes, snowmobiles, side-by-sides, and more. Whatever your off-road adventure requires, we’ve got the right coverage for you.
Need to File a Claim?
We understand dealing with an insurance claim can be a stressful experience. At Poco Insurance, we are here to guide you through the process and make it as smooth as possible.
Auto Insurance Request
Please complete the form below to start your Auto insurance quote or renewal process. Our team will contact you within 1 business day (excluding weekends and holidays) to discuss your quote and gather any additional information needed.