Off-Road Vehicles

We provide protection options as unique as you are

Off-Road Vehicles

We provide protection options as unique as you are

Off-Road Vehicle Insurance in British Columbia

Many residents of British Columbia enjoy the great outdoors on off-road vehicles. Drivers can travel over mud, rock, grass, and snow for year-round fun and relaxation without the confinement of paved roads dictating which direction to go. An important step to ensure you and your off-road vehicle are protected from financial distress is getting sufficient insurance to cover the costs related to collisions and other damaging situations. Our province requires drivers to acquire basic coverage ICBC, which then allows them to operate their cars, trucks, motorcycles, and off-road vehicles legally. While ICBC’s basic insurance secures minimal benefits for drivers, it may not cover the total expenses of repairs, medical bills, and lost wages while you recover. You can opt for additional coverage from ICBC, or you can turn to private insurers for comprehensive benefits to add to the minimum insurance you already have.

Johnston Meier Insurance has a network of private insurance companies, and we’ll work with you to find the coverage you need at a cost that fits your budget. Let our team of insurance professionals match you with benefits that surpass those of ICBC’s basic coverage for off-road vehicles.

Meeting Minimum Required Coverage with ICBC

Driving an off-road vehicle (ORV) can be an exhilarating trip through the woods and across fields, or it might be part of your workday as you trek lands for logging, farming, and other industries. While you may get excited about the fun and natural beauty you take in on an all-terrain vehicle (ATV) or another form of ORV, it’s important to get adequate insurance coverage. Our province requires all ORV owners to have basic insurance with ICBC, which allows off-roaders to drive their vehicles legally. One such regulation that you must adhere to is having a minimum of $200K in liability coverage, and ICBC’s basic plan provides that. However, driving your ORV legally with ICBC coverage might not take care of the expenses of a collision or incident that results in damage to your vehicle or injury to the people involved. You can either secure additional insurance through ICBC or reach out to a private insurance company to select add-ons that will supplement your financial protection. Johnston Meier Insurance utilizes our network of private insurers to find you the best coverage options that fit within your budget. We’re proud of our role in helping ORV drivers enjoy their off-road adventures without the worry of financial struggles if they hit a tree or cross paths with another vehicle.

Additional Options with Private Insurance

Johnston Meier Insurance keeps ORV drivers safely covered with insurance options that encompass various financial obligations due to an accident. For instance, many off-road vehicle owners think that their home insurance will cover their ORV since it’s parked in their garage, but that isn’t true. Your vehicles require separate coverage to compensate you in case they get damaged or stolen. With add-ons from a private insurance company, you can protect your investments with features like replacement cost coverage if your vehicle gets totaled or disappears from your garage. While you’re driving your ORV, additional insurance options can help protect you from paying out-of-pocket for damage or injuries to yourself or others. You can enhance your coverage for third-party liability, get collision insurance to take care of repair costs regardless of who’s responsible for the accident, and secure comprehensive coverage for damages unrelated to a collision. Excess underinsured motorist protection will cover you and any passengers if you end up in a crash, and the other driver is at fault but doesn’t have adequate insurance to cover the resulting damages or injuries.

Don’t Let Your ICBC Insurance Lapse

While Johnston Meier Insurance makes your additional insurance needs our top priority, we also understand the value of your provincially required basic coverage with ICBC. To drive legally, you will need to stay on top of maintaining your basic plan and not let it lapse. We want to help you make sure your policy is up-to-date, which is why we offer ICBC renewals on top of our comprehensive selection of insurance options. Once you’ve completed this essential step to insure your off-road vehicle, we’ll gladly discuss additional insurance with you and work with our network of private insurance companies to find you a great deal.

Get in Touch with Johnston Meier Insurance

Enjoy the wild landscape of British Columbia safely and worry-free with comprehensive insurance that covers your needs in the event of an accident. Suppose you or a passenger get injured, or your ORV gets damaged or stolen. In that case, additional insurance ensures you have financial coverage to repair or replace your vehicle and pay medical bills and other related costs. Johnston Meier Insurance is dedicated to helping you get complete coverage that surpasses the minimal required ICBC insurance. Contact us today to discuss your off-roading vehicles for work or leisure, and we’ll guide you to affordable coverage. Or, you can request a quote online to see what can offer you.

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All the staff at your office always provides the highest standard of performance of any business I deal with.

Wilf Zemke


We've used the Johnston Meier Mobile department since opening Maple Ridge Hyundai. We can always rely on them to provide our customers and staff with quick efficient service and highly recommend them.

Karen Souza

Finance Manager

I have been through a series of moves including building a new house, furniture in storage, renting for a short period, etc.  Colleen at your Salmon Arm office took care of all the steps along the way, explaining everything and following up as necessary. Thanks!

Irene Rogers


We are delighted with the personalized service you provided us in tailoring our insurance package to our needs and went out of your way to direct us to savings options, including the credit score discount!

Don & Judy Pohl


Purchased our Travel Medical from Sue..she was extremely helpful at explaining our options. Then moved our Home Insurance to JM after speaking with Rina. Very professional! Felt that she was clearly acting in our best interest as she reviewed our policy options.

Ted & Linda Voykin


Five Stars
In all the years of dealing with insurance companies, I have never been treated so exceptionally well before! Shari Kidney made my experience amazing, she was extremely helpful, kind, and professional. She made a normally stressful task, quick and easy. Absolutely excellent customer service, I left the office feeling like I mattered and I highly recommend the Johnston Meier Group! Thank you Shari.



We've been with this company over 20 years for business, residential and auto coverage. Trustworthy, top level service year after year from knowledgeable, courteous staff. Absolutely recommend for all types of insurance.

Patti & John Donnelly

Jopa Builders Ltd.

We've been with Johnston Meier ever since we started our Home Improvement Company. Garrin & his staff always impress with their attention to detail and customer service. Couldn't be happier

GL Installations


Johnston Meier Insurance Agencies Group goes the extra mile to ensure their clients are truly taken care of. The staff gives us a lot of personal attention, and we certainly recommend the insurance agency to everyone.

Doug & Yvette Schwartz


We appreciate Trish's professional expertise & trust her to ensure we have the proper coverage for our needs. Thank you for years of keeping us safe.

Mick & Joyce Godwin


Contact Us with Questions or to Request a Quote

Let us know if you would like more information before visiting one of our locations. Someone from the closest office with the right experience will contact you to help with your questions.

Don’t worry – we won’t use your contact information for anything other than replying to your request.

Let us know if you would like more information before visiting one of our locations. Someone from the closest office with the right experience will contact you to help with your questions.

Don’t worry – we won’t use your contact information for anything other than replying to your request.

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