Someone driving an atv

Insurance for Your Recreational Vehicles & Toys

Summer is an extremely popular time for recreational vehicles such as ATVs, boats, PWCs, motorcycles and dirt bikes. Many people will also soon be starting to look at winter toys such as snowmobiles. If you’re interested in picking up a new toy for the summer, fall or winter you may want to consider whether you should purchase insurance for it.

There are many different recreational vehicles that are popular in Canada, from motor-homes to snowmobiles to boats, and each have different considerations and requirements related to insurance.


Similar to any other motor vehicle, motor-homes require insurance to be legally driven on the road. Unlike most cars however there are unique considerations to keep in mind when it comes to insuring RV’s:

  • Usage: Is your RV used occasionally for vacation, or do you plan to reside in your RV for a prolonged period of time?
  • Interior Coverage: What happens if someone gets injured inside your RV while it is parked or on the road?
  • Personal Belongings: RV’s tend to carry a larger than usual amount of personal belongings. Do you need coverage in the event that your personal belongings are destroyed inside your RV?


Although not required by law, the water can be a dangerous place during the summer when boaters are out and about. Many factors can influence boat insurance including the size of the boat, how much power it has, trailers and equipment on-board. In addition to protecting your boat in the event of an accident or damage, pleasure craft insurance also provides liability coverage for injured passengers, swimmers or even passengers on another vessel.

All Terrain Vehicles (ATVs)

Similar to insurance for water vessels, ATV insurance can provide significant protection against damage and theft, and provide liability protection in the event of injury involving another person(s). Also similar to boat insurance, protection can be added for accessories, equipment including riding gear, and trailers used to move your ATV.

Getting a new recreational vehicle is always exciting. But before you make your purchase make sure you consider your insurance needs when determining your costs. Will Marshall Insurance Brokers are always here to help you make the best choice for your situation and recreational vehicle. If you are still wondering whether you need insurance coverage for a new or existing vehicle, contact our teams in Barrie or Orillia today. Have fun out there!



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