Recreational vehicle insurance
Motorcycle, ATV, snowmobile, boat — every season has its pleasures, and its risks. Our brokers know what each type of vehicle needs and will find you complete coverage, so you can make the most of every outing.
Coverage overview
Motorcycle, ATV, snowmobile or boat — each one’s different, and each one’s covered. Our brokers will find you protection made for every season and every adventure, so you can just enjoy the ride.
Vehicle damage
Covers damage to your recreational vehicle from a collision, rollover or accident, in any season.
Civil liability
Protects you if you cause property damage or bodily injury to others while using your recreational vehicle.
Theft and vandalism
Compensates you for your vehicle and its equipment if they’re stolen, vandalized or damaged by a malicious act.
Additional coverage
Specialized accessories and equipment, off-road or on-water assistance, towing — options so you can enjoy the ride with peace of mind.
Why work with a broker
Part of a team, an independent broker works for you, not an insurer. They compare your options, give you straight, honest advice, support you at claims time, and stand up for your interests at every turn — so you never feel like you’re going it alone.
Access to multiple insurers
Your broker shops a range of insurers on your behalf and brings back the best options — coverage that genuinely fits, at the most competitive price out there.
Advice built around you
No one-size-fits-all here. Your broker gets to know your situation, your assets and your real needs, then recommends the right amount of coverage — not too much, not too little.
An ally at claims time
When something happens, your broker is right there in your corner — guiding you through the claim, speaking up for you with the insurer, and making sure you get everything you’re owed.
How to get a quote online
Getting a price has never been easier! Make your request online in just a few minutes — or, if you’d prefer a personal touch, give our team a call at 1 833 789-9203.
Step 1
Start a conversation with Olivo — click our chatbot to begin your quote.
Step 2
Answer Olivo’s questions — our bot will ask you a series of questions to find you the best coverage at the best price.
Step 3
Connect with our team by phone — our experts can review your quote, advise you on the coverage you’ve chosen, and answer your questions, so you can make an informed choice.
Step 4
Sign up for your new insurance policy — and you’re all set! You’ve now got protection that’s just right for you.
FAQ
Questions about your recreational vehicle insurance? You’re not alone. Here are clear answers to the ones we hear most.
No — they need their own policy. Motorcycle, ATV, snowmobile, boat: each has its own risks and coverage needs, and using one without proper insurance can leave you badly exposed. Your Univesta broker can line up the right coverage for every vehicle you own.
Good question — and a common mix-up. Some coverage runs year-round; other coverage only applies during the season you’ve declared. Theft and vandalism, for instance, can happen in the dead of winter. Talk to your broker so you’re covered around the calendar, not just when you’re out on the trail or the water.
Not automatically. Specialized gear, trailers, GPS units, diving equipment, motorcycle accessories — these may have coverage caps or need their own endorsement. If you’ve invested in valuable equipment, tell your broker so it’s properly protected.
Coverage within Canada is generally included, but it can be a different story in the U.S. or abroad. Some policies extend across the border; others don’t. Before you set off with your motorcycle, ATV or boat, check with your Univesta broker so there are no surprises at the border.
What matters to you matters to us.
We take the time to really understand your situation, so we can protect you better.