We offer a unique off-road vehicle program that specifically covers all terrain vehicles (ATVs) for physical damage including fire, theft, vandalism, and collision. Our level of coverage is superior to other providers: we offer Replacement Cost on brand-new machines, no vehicle inspection is required, and you get your choice of deductibles.

Other coverage highlights include:

• Replacement Cost Endorsement on brand new ATVs. For up to 24 months.
• 15% discount for riders that are 50 years of age or over.
• Annual policy providing coverage during the riding season and off-season.

Our underwriting guidelines are:

• No vehicle inspection required.
• Your choice of deductible: $1000, $750, $500.
• Replacement Cost Endorsement as per wording and rating.
• Coverage is on All Perils form for physical damage only. (excluding liability insurance) and is subject to the applicable deductible. 
• Includes breaking through ice and sinking in muskeg.
• Includes up to $1000 for salvage recovery costs.
• Includes up to $2000 for accessories.
• Includes up to $2,000 for Search and Rescue Expense.
• Surcharges may apply for previous traffic convictions of claims.

Application can be accepted online with a credit card payment; no coverage is in effect without payment in full and approval of your ONE Insurance broker.