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Recreational Vehicle Insurance

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

Whether you're ready to hit the trails or use your workhorse ATV to shovel your driveway faster than anyone on the block, we can offer ATV & RTV coverage to suit your needs.

Recreational Vehicle Policy Coverage

We understand the joy - and the risk - owning a recreational vehicle can bring. Whether you need insurance coverage for your ATV, snowmobile, trailer home or antique vehicle, we're here to help protect your investment.

Ontario ATV & Rough Terrain Vehicle (RTV) Insurance

Whether you are ready to hit the trails or use your workhorse ATV to shovel your driveway faster than anyone on the block, we have ATV & RTV coverage to suits your needs.

ATV & RTV Policy Coverages

  • Third-Party Bodily Injury & Property Damage
  • Accident Benefits
  • Direct Compensation - Property Damage (DC-PD)
  • Uninsured Automobile
  • Family Protection Coverage (OPCF 44R)
ATVs and Private Property Use

Even if you are only driving the ATV on your private property, it still must be registered with the Ministry of Transportation. Unfortunately, a personal home or farm insurance policy does not provide coverage for ATVs and RTVs as they are defined as a “Motor Vehicle” and must be insured on an Automobile Policy.

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Optional Coverages

Collision

Covers the physical damage to your ATV if you get into an accident and you are at-fault (for example, your ATV hits a tree).

Comprehensive

Covers specified perils for your ATV that are not covered by Collision, like falling objects and theft.

All Perils

Combines Collision & Comprehensive and uses one deductible

Increased Accident Benefits

If the standard Accident Benefits are not sufficient, you can increase the benefits as needed.

Attached Implements

Attached implements, such as a snow plow blade, does not need to be registered with the Ministry of Transportation. However, we do need to know about ant attachments to provide coverage.

Motorcycles & Snowmobile Insurance

Snowmobile Policy Coverages

  • Third-Party Bodily Injury & Property Damage
  • Accident Benefits
  • Direct Compensation - Property Damage (DC-PD)
  • Uninsured Automobile
  • Family Protection Coverage (OPCF 44R)
Touring-Type Motorcycles

We can provide coverage for touring-type motorcycles on an Auto Policy. Contact your Agent or Broker to see if your motorcycle is eligible for coverage.

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Optional Coverages

Collision

Covers the physical damage to your snowmobile if have an accident and you are at-fault (for example, you hit a fence).

Comprehensive

Covers specified perils for your snowmobile that are not covered by Collision, such as falling objects and theft.

All Perils

Combines Collision & Comprehensive and uses one deductible

Increased Accident Benefits

If the standard accident benefits are not sufficient, the benefits can be increased.

Motorhomes, RV's & Trailers (Not Permanently Parked) Insurance

Coverage for attached utility trailers and camper trailers can be extended from your Personal Automobile Policy. Coverage is available for physical damage and theft. If your trailer is permanently parked on a seasonal site, see our “Seasonal Property Insurance” page.

Seasonal Insurance

Golf Carts & Dune Buggy Insurance

Golf Carts and Dune Buggies can be added to your Personal Property Policy. These vehicles are to be used on private property exclusively, and not on public roads.

Home Insurance

Classic & Antique Vehicles Insurance

Never forget the classics. We offer physical damage and road coverages for these types of vehicles that are typically displayed at car shows. Generally, an appraisal to determine the vehicle value is required.

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RECREATIONAL VEHICLES

ATVs & RTVs

About Ontario ATV & Rough Terrain Vehicle (RTV) Insurance:

Whether you are ready to hit the trails or use your workhorse ATV to shovel your driveway faster than anyone on the block, we have ATV & RTV coverage that suits your needs.

ATV & RTV Policy Coverages Included:

Third Party Bodily Injury & Property Damage
Accident Benefits
Direct Compensation - Property Damage (DC-PD)
Uninsured Automobile
Family Protection Coverage (OPCF 44R)

Optional Coverages:

Collision - covers the physical damage to your ATV if you get into an accident and you are at-fault (for example, you hit a tree).
Comprehensive - covers specified perils for your ATV that are not covered by Collision, like falling objects and theft.
All Perils - combines Collision & Comprehensive and uses one deductible
Increased Accident Benefits - if the standard accident benefits are not sufficient, you can increase them as needed.
Attached Implements - For example, a snow plow blade. They do not need to be registered with the Ministry of Transportation, however we do need to know about them to provide coverage for them.

A common misconception about ATVs and private property use: Even if you are only driving the ATV on your private property, they still must be registered with the Ministry of Transportation. Unfortunately, a personal home or farm insurance policy does not provide coverage for ATVs and RTVs as they are defined as a “Motor Vehicle” and must be insured on an Automobile Policy.

SNOWMOBILES

The trails are calling! Our Snowmobile coverage will protect you as you head out for your Saturday afternoon rip.

Snowmobile Policy Coverages Included:

Third Party Bodily Injury & Property Damage
Accident Benefits
Direct Compensation-Property Damage (DC-PD)
Uninsured Automobile
Family Protection Coverage (OPCF 44R)

Optional Coverages:

Collision - covers the physical damage to your snowmobile if you get into an accident and you are at-fault (for example, you hit a
fence).
Comprehensive - covers specified perils for your snowmobile that are not covered by Collision, like falling objects and theft.
All Perils - combines Collision & Comprehensive and uses one deductible
Increased Accident Benefits - if the standard accident benefits are not sufficient, you can increase them as needed.

MOTORCYCLES & SNOWMOBILES

We are able to provide coverage for touring-type motorcycles on an automobile policy. Contact your agent or broker to see if
your motorcycle is eligible for coverage with us.

GOLF CARTS & DUNE BUGGIES

Golf Carts and Dune Buggies Can be added to your personal property policy with personal liability extended to their proper use. They are to be used on private property, not on public roads.

MOTORHOMES, RVs & TRAILERS (Not permanently parked)

Coverage for attached utility trailers and camper trailers can be extended from your personal automobile policy. Coverage is available for physical damage and theft. If your trailer is permanently parked on a seasonal site, see our “Seasonal” page.

MOTORHOMES & RVs

Well, that there is an RV! Motorhomes & Rvs can be added to an automobile policy. Coverage for the contents of your RV typically comes from your home insurance policy.

CLASSIC & ANTIQUE VEHICLES

Never forget the classics. We offer physical damage and road coverages for these types of vehicles that are typically displayed at car shows. Generally, an appraisal to determine their value is required.

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our agents are happy to help provide you with information, so you can make the best decision—For You.

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(519) 632-7413 Contact