How Petley-Hare Helps Protect Your Ride

At Petley-Hare, we work directly with Ontario’s top insurance providers to match you with policies that make sense for your toys and your lifestyle

  • We walk you through exactly what your policy covers 
  • We recommend coverage limits based on how and where you use your toys 
  • We help you bundle toy insurance with home or auto to get the best value from our trusted providers.
  • We’re just a call away if your needs change

What is Toy Insurance?

Toy insurance is specialized coverage designed to protect your recreational vehicles, like ATVs, Seadoos, Jet Skis, and snowmobiles, against damage, theft, and liability. If you're blazing trails in Oshawa, skimming across Lake Scugog, or storing your machine for the season, this insurance ensures you're financially protected from unexpected risks.

At Petley-Hare, we work with leading Ontario providers to customize coverage that fits your lifestyle. At Petley-Hare, we are a trusted Ontario insurance agency, and help you choose the right policy to safeguard both your investment and your peace of mind.

Our toy insurance often includes:

  • Protection for damage, theft, or accidents
  • Liability coverage if something goes wrong
  • Off-season protection while your toys are in storage

Types of toys we insure:

  1. Seadoos

    Our Seadoo insurance in Ontario offers protection against collisions, theft, and physical damage. With agreed value coverage, you can rest assured that your investment is safeguarded.

  2. Jet Skis

    Jet Ski coverage protects you from collisions and theft to towing assistance; this comprehensive coverage ensures you can focus solely on the ride's excitement.

  3. Snowmobiles

    Designed to cover damage, theft, and liability, a Snowmobile Insurance policy ensures you're well-prepared for any unexpected twists and turns on your journey. So, whether you're carving through pristine snowfields or exploring snow-covered landscapes, you can do so with the assurance that we've got your back.

  4. ATVs

    Off-road vehicle insurance is crucial for ATV enthusiasts. Our coverage includes protection against accidents, theft, and even accessories attached to your vehicle.

  5. More Than Just Coverage

    We believe in going the extra mile. Toy insurance not only shields your toys from unexpected mishaps but also ensures you're back in action as quickly as possible if the unexpected does occur. We work with trusted insurers to provide ideal service and support when needed. Don't hesitate to contact our knowledgeable team to discuss your unique needs and receive expert guidance on securing the right coverage for your recreational toys.

    Seadoo or snowmobile — we’ve got your toys covered at Petley Hare.

Why Choose Us?

  • Independent Agency: Serving Ontario residents with top-rated carriers to provide the best price and coverage options.
  • Comprehensive Coverage: From physical damage to total loss, our policies are designed to cover a wide range of scenarios.
  • Customer-Centric Approach: We understand the value you place on your toys and are dedicated to offering insurance that reflects that.

Get a Quote Today

Ready to protect your recreational toys? Contact us to get a personalized quote and ensure your prized possessions are adequately insured.

Start Quote

Toy Insurance FAQs

Have questions about toy insurance? We have answers! Check them out below.

Do I Need Insurance for My Recreational Vehicles in Ontario?

Yes, toy / recreational vehicle insurance is essential in Ontario. If you own a Seadoo, Jet Ski, ATV, or any other recreational toy, having insurance is a legal requirement and a smart decision to ensure you’re financially protected in case of accidents or damage.At Petley Hare, we’ll explain what coverage is legally required, and what’s just smart to have.

What Factors Affect the Cost of Toy Insurance?

Several factors can influence the cost of your Toy Insurance. These include the type of toy you own (e.g., Seadoo, Jet Ski, ATV), its value, your location (urban or rural), your driving history, and your coverage options. Factors such as a history of accidents or a high-value ride can increase premiums, while safe driving records and bundling policies can help you secure discounts.

Can I Get Discounts on Toy Insurance?

Many insurance providers offer discounts to help you save on your toy insurance premiums. Safe driving is often rewarded with lower rates, as is bundling multiple policies with the same insurer (e.g., combining toy and auto or home insurance). Additionally, completing safety courses, especially for certain recreational toys like ATVs or snowmobiles, can make you eligible for discounts.

What Should I Do if I Have Multiple Recreational Toys?

If you own multiple recreational toys, speaking to our experienced insurance brokers is a good idea. Bundling your policies with the same insurer can often result in significant savings on premiums. Our brokers can assess your specific needs, explain the options, and help you customize a policy covering all your toys while maximizing your savings.

Is There Coverage for Theft or Vandalism of My Recreational Toy?

Yes, coverage for theft, vandalism, and other unforeseen events that can damage or compromise the integrity of your recreational toy is typically provided. However, it’s crucial to review your policy carefully to understand the specific details of the coverage, including any deductibles or limits. Ensuring that your toy is adequately protected against theft or vandalism is essential to maintaining peace of mind during your leisure activities.

Why Do I Need Insurance for My ATV?

ATV insurance is essential to cover potential damages, theft, and liability, ensuring financial protection and peace of mind while enjoying your recreational activities.

What Does Toy Insurance Cover in Ontario?

Most toy insurance policies in Ontario cover accidents and collisions, theft and vandalism, liability for injuries or property damage, storage and transport risks. We help you customize a policy that fits your toy and how you use it.

Toy Insurance Insights