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R.A. Hughes Insurance

Offroad Vehicle Insurance Winnipeg

Looking for reliable offroad vehicle insurance in Winnipeg? Look no further! Our experienced team at R.A. Hughes Agencies is here to provide you with the best coverage options for your offroad adventures.
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At R.A. Hughes Insurance, we’ve proudly served St. Boniface and Winnipeg for decades. In that time, we’ve insured a variety of off-road vehicles. Whether you plan on snowmobiling in Flin Flon, dirt biking by Seddons Corner, or taking your ATV around Swan River, our insurance brokers will help you find the perfect policy for your off-road vehicle.

Off-road vehicle insurance works differently than other types of vehicle insurance in Manitoba. When you’re operating your off-road vehicle (ORV) on public property (like public roads), you need to insure your vehicle through Manitoba Public Insurance (MPI).

For liability insurance when your ORV is on private property and off of public roads, you have two options: you can insure your vehicle through Got Toys Insurance, also known as OASIS (Outdoor Adventure & Sports Insurance Solutions), or through MPI. We offer off-road insurance policies through both MPI and OASIS.

Coverage Details

ORV Coverage With MPI
ORV coverage With Got Toys (OASIS)
Which ORV Coverage Should I Choose?

ORV Coverage With MPI

MPI does not automatically cover off-road vehicles (ORVs) when they’re registered; you need to purchase coverage separately. All ORVs should be registered with MPI regardless of whether or not you opt to purchase coverage. Coverage details for MPI off-road policies are as follows:
Collision protection covers collision damage with a $200 or $500 deductible.
Comprehensive protection covers damage from causes other than collision, such as fire, theft, and vandalism, with a $200 or $500 deductible.
Third-Party Liability Plus covers you for claims against you for property damage or injuries, as well as injuries caused by other ORV operators. Coverage limits are $500,000, $1,000,000, $2,000,000, and $5,000,000.
Accident benefits cover costs associated with injuries and death caused by ORVs, regardless of who is at fault.
The costs and coverage limits for MPI’s ORV policies vary depending on the vehicle being insured; talk to the brokers at R.A. Hughes for more information!
atv in mud
atv jump in air

ORV coverage With Got Toys (OASIS)

Got Toys offers an alternative to MPI’s off-road vehicle coverage. Coverage details for Got Toys’ off-road policies are as follows:
All Perils coverage includes collision, upset, fire, theft, and other damage, up to a limit of $40,000 for physical damage on quads, dune buggies or sleds, and up to a limit of $25,000 on a trail bike (dirt bike).
Comprehensive coverage, which is All-Perils coverage without collision or upset protection.
Deductibles of $500
Replacement Cost coverage for $50
Third-Party Liability insurance up to $1,000,000 or $2,000,000, including Accident Benefits coverage and up to $25,000 coverage for sudden and accidental pollution.

Which ORV Coverage Should I Choose?

Our brokers will provide you with quotes from both MPI and Got Toys to help you find the perfect policy for your off-road vehicles. The premiums will vary depending on your off-road vehicle, the coverage you select, the insurer you purchase coverage through, and more.
atv on snow
offroad vehicle on sand

Vehicles Covered

Our ORV policies can cover most off-road vehicles, including:
ATVs
Dune buggies
Snowmobiles
Trail bikes (dirt bikes)
Snow bikes
Golf carts
And more

Potential Claims

There are several potential claims that can arise from ORV operation, including:
Claims for damage to your off-road vehicle
Claims for off-road vehicle theft
Liability claims if you are pursued for damages or injuries in court
Accident benefit claims to help pay for the costs of injuries
Our brokers can help you understand the coverage available for each potential off-road vehicle claim.

Safety and Theft Prevention Tips

Planning to go off-roading? There are several safety tips that can help protect both you and your vehicle:
Tell someone where you plan on going.
Walk it before off-roading it.
Go as slowly as possible and only as fast as necessary—speed can be dangerous.
Don’t be afraid to walk back.
Know your limits—take it slow, and develop your off-roading skills.
Check your equipment and tire pressure before leaving.
Keep a safety kit with you at all times.
Wear a helmet and other protective gear.
You’ll also want to protect your off-road vehicles from vandalism and theft. You should:
Get a wheel lock.
Park your ORVs in a garage.
Remove valve stems from tires to make them go flat to stop thieves from rolling your ATV or bike away.
Chain your ORV to a tree or other solid surface.
Paint your ORV with identifying information to make it less attractive to thieves.
Equip your ORV with a tracking device.

Get a Quote Today

With decades of experience serving clients in St. Boniface and throughout Winnipeg, we understand how important off-road vehicles are to our customers—and we know what it takes to protect them. Get in touch with us—we’ll find the perfect policies for your ORVs. Get the peace of mind you deserve—no matter which seasons you off-road in or where you off-road. Call R.A. Hughes Insurance, or visit our offices today!
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Contact Us Today

Contact us today to learn more about our offroad vehicle insurance options and get the coverage you need.

Expert Advice:

Our team is here to provide expert advice and assistance with all your offroad vehicle insurance needs.

Peace of Mind:

Enjoy peace of mind on your offroad adventures with our reliable insurance coverage.

Frequently Asked Questions

Is offroad vehicle insurance required in Winnipeg?

While offroad vehicle insurance is not mandatory in Winnipeg, it is highly recommended to protect your vehicle and yourself in case of accidents.

What does offroad vehicle insurance cover?

Offroad vehicle insurance typically covers liability, collision, and comprehensive coverage for your offroad vehicle.

Can I add additional coverage to my offroad vehicle insurance policy?

Yes, you can customize your offroad vehicle insurance policy with additional coverage options to meet your specific needs.

Experience the R.A. Hughes Advantage

For over 90 years, families and businesses across Manitoba have relied on R.A. Hughes Insurance for comprehensive protection and personalized guidance. As an established local presence, we take pride in building long-lasting relationships founded on trust and a deep understanding of our clients' unique needs. Don't leave your future to chance - partner with our experienced team today.
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