Whether you’re travelling on the open road or exploring the great outdoors, get peace of mind with affordable and flexible coverage from Co-operators. We insure a wide range of recreational vehicles. Find out more about each category.
Recreational vehicles we insure
Motorcycles are on-road vehicles with a headlight, taillight, stoplight, and have 2 or 3 wheels. Any motorcycle that cannot exceed a maximum speed of 40 km per hour over a paved surface isn’t considered an on-road motorcycle.
Dirt bikes are motorcycles that are designed to be used on rough terrain like unsurfaced roads or trails. Types include, but are not limited to, trail dirt bikes, motocross bikes, enduro bikes and dual sport bikes.
ATVs are vehicles with 4 or more wheels that are designed for transportation over various types of off-road terrain and trails. Types include, but are not limited to, sport, utility, side-by-side and youth ATVs.
Snowmobiles are designed exclusively for travel on snow and ice. They’re typically used on trails and private property. Types include, but are not limited to, trail, sport, touring, crossover and utility snowmobiles.
Mopeds are motor-assisted bicycles with operable pedals that weigh no more than 55 kg (120 lb). They have no motor-driven clutch or gearbox and can’t travel faster than 50 km (30 MPH) per hour on level ground.
This category includes 2- or 4-wheeled vehicles with no engine that are towed by private passenger vehicles. Types include, but are not limited to, travel and personal-use utility trailers, hardtop and soft-top tent trailers, and campers.
These motorized vehicles are designed for recreational travel and accommodation. This category also includes trucks equipped with a non-detachable camper body, as well as converted buses and vans that are not used for general transportation.
To get an insurance quote for your motorhome, call 1-877-545-2667. Residents in Quebec may call 1-877-630-2667. Or you can connect with a financial representative near you to learn more about insurance for your motorhome.
Whether you have a government or private auto insurance plan for your recreational vehicle depends on where you live. In Canada, auto insurance is handled a bit differently in each province or territory. Learn more about how auto insurance works in Canada.
At Co-operators, we insure recreational vehicles as a flexible, stand-alone auto insurance policy, or as bundled coverage with existing home or auto policies.
What does auto insurance cover?
Everything required by law comes standard in your policy. You can also bump up your protection with additional coverage. Find out more about mandatory and additional coverage.
Explore mandatory coverage
Explore additional coverage
Still have questions?
Call or meet with us to find the right auto insurance solution for you.
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