All Terrain Vehicle Insurance for New Brunswick
Whether we like it or not, it is required, by law, in New Brunswick, to
register and insure your All-Terrain Vehicle.
The insurance brokers at Pearson Insurance are very familiar with all types
of ATV’s. They have the knowledge and the ability to provide the coverage
you need and the coverage you want. We cannot only make sure you are legal
for the road and the trails, but we can also help you protect the
investment you made when buying your vehicle. Anyone who has shopped for an
all-terrain vehicle knows that they can be very expensive. Some of them
cost as much as a car!! We can help provide coverage for this investment.
When you need to insure your off-road vehicle, you want to know you're
dealing with people who know all about them. At Pearson Insurance, we know
what is required by law and can offer a number of options tailored to you
and at a competitive rate.
Do I Need All Terrain Vehicle Insurance?
The bottom line is YES. If you are going off of your own property in any
way, you need Liability protection by law. When it comes to the
recreational off road riding in New Brunswick, you need to protect
yourself. ATV insurance works the same as insuring your car, truck,
motorcycle or snowmobile. The basic coverages are the same. Some people,
are only concerned about the other guy, (PLPD or Liability), while there
are others who are concerned about if their ATV is involved in an accident
and damaged or written off. One of the biggest concerns most people seem to
be concerned with is if it is stolen or there is a fire. We can cover those
Your ATV policy can be issued either as a standalone policy or as an
addition to your car insurance.
What Does ATV Insurance Cover?
Some elements of New Brunswick ATV insurance are mandatory -- that is, the
law requires that you have them.
There are three main components:
- Third party liability insurance. This protects against the cost of bodily
injury and damage to property that you cause. It includes legal costs if
you face a lawsuit.
- There are accident benefits that will respond if you or a passenger get
injured in an accident with your ATV.
- Direct Compensation Property Damage, which provides a level of protection
when another rider insured in New Brunswick is responsible for the
accident. This is when the policy responds to vehicle damage caused by
another person. An example would be when someone else collides with you and
it is not your fault.
In addition, you have a number of other insurance coverage options for your
all-terrain vehicle, which will considerably enhance your protection
(though they're not mandatory). These include:
- Collision insurance to cover the repair costs of your all-terrain vehicle
if it's damaged or lost in an accident you cause. You would have a
deductible, just like your car insurance, for the first bit of damage and
the policy responds after that.
- Comprehensive insurance. This provides coverage for your ATV if it's lost
or damaged that is not a collision. Such as theft, fire, vandalism or
damage by a fallen object. Again, the deductible you choose, would apply.
- All perils coverage -- this basically covers the above two types of
insurance under one deductible.
Pearson Insurance can also provide coverage for your trailer, accessories
and other equipment.
What Type of Off-Road Vehicles are Covered?
We can arrange coverage for any type of off-road vehicle including all
types of ATV, quad bikes, three wheelers, side-by-sides, six and eight
wheeled ATVs, snowmobiles, dirt bikes and buggies.
How Can I Save Money on ATV Insurance?
Start by contacting Pearson Insurance. We may be able to secure discounts
for multiple vehicles, multi policy discounts, evidence of safe riding
certification, association membership and more.
Your premium may also be reduced if you opt to choose a higher deductible
for the collision, comprehensive and fire and theft.
Plus, as we mentioned, as an independent broker, we work with multiple
leading insurers in New Brunswick, which enables us to shop for the best
coverage at competitive rates.
Free, No Commitment Quote
Contact us today for a free, no-commitment quote and find out why Pearson
Insurance is your best, wise choice for your New Brunswick all-terrain
vehicle insurance. You can call us at (506) 432-1550, email us at firstname.lastname@example.org or
simply hit the Get a Quote Button on our web page.
We're ready and waiting!