Get flexible coverage on and off the road

Protect your ride with recreational vehicle insurance that meets your needs.

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Why ride with us?

At Co-operators, we’ll build a policy that matches your lifestyle. Whether you’re a daily driver or a weekend warrior, we’ve got you covered.

Vehicles we insure

All-terrain vehicles (ATVs)

Explore without limits with coverage that’s off-road ready.

Motorcycles, mopeds and dirt bikes

Ride with confidence wherever your adventures take you.

Snowmobiles

Conquer new terrain with coverage that’s got your back.

Trailers and motorhomes*

Hit the open road with coverage that goes the distance.

*Policies for motorhomes are not available to purchase online. Please call us for a quote.

Get a quote and buy online

1-855-203-1494

Coverage you can count on

Get the protection you need with tailored and affordable coverage. Here’s a quick look at how we can protect you:

Accident Benefits cover extra medical expenses, income or funeral costs in case of an accident.

Collision covers the cost of repairing or replacing your vehicle if you cause an accident.

Comprehensive helps you repair or replace your vehicle if it is damaged or stolen.

Depreciation Protection protects your vehicle’s value from depreciation if you have a new vehicle and have a total loss claim within the first five years.**

Direct Compensation Property Damage takes care of your vehicle and everything in it if you’re in an accident that’s not your fault.

Liability helps pay for another person’s medical, automobile or property damages up to your policy’s limit if you’re found responsible for causing an accident.

Riding Gear Endorsement replaces up to $5,000 of riding gear, like helmets, eyewear or airbag vests, after an insured loss.**

Uninsured Automobile helps take care of the costs arising from injury, or worse if you’re involved in an accident with an uninsured driver.

**Available for ATV, dirt bike, moped, motorcycle and snowmobile insurance.

Get a quote and buy online

1-855-203-1494

Save while you explore

Here are some easy ways you can save on your recreational vehicle insurance:

Hybrid or electric vehicle discount

Do you drive a hybrid or electric vehicle? You may qualify for an automatic discount on your premiums.

Multi-product discount

Bundle your coverage with our other products, like home or life insurance, and get better rates.¹

Multi-vehicle discount

Have more than one vehicle? Combine your policies and enjoy lower premiums.

Renewal discount

Insure your vehicle with us for five or more consecutive years and get preferred rates.

Enjoy a safe ride

Start with a quote and get the coverage you need today.

Get a quote and buy online

1-855-203-1494

1 Terms and conditions apply. All bundled savings are based on filed discounts and rates. Savings vary based on each individual’s insurance profile and are not guaranteed. Savings vary by province. The advertised bundled offer includes a welcome discount for new home and auto insurance clients, a claim free discount for home insurance clients and a conviction-free rating (in ON) or conviction-free discount (in NS, AB, NB and QC) for auto insurance clients. For home insurance clients, the welcome discount is available only for homeowners (excluding condominiums, mobile homes, seasonals and rented properties). The conviction-free rating or discount is available on private passenger vehicles and requires all drivers to have no minor/major and/or serious/criminal code convictions and no demerit suspensions in the preceding 3 years. Certain conditions, limitations and exclusions may apply. To be eligible for the claims free discount, you must have been with your current provider for a period of 5 years. If you have not been with your current provider for 5 years, you must be claims free with your other providers for the preceding 5 years. Contact a licensed Co-operators representative for detailed information about how savings could apply to you. In Quebec, a licensed insurance advisor is a Financial Security Advisor or a Representative.

Home and auto insurance is underwritten by Co-operators General Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions. Co-operators General Insurance Company is committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please refer to our privacy policy for more information. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission.