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.