We've got your fun covered. Just like you safeguard your car, your recreational toys deserve the same level of protection.
Zoom across the lake on a Seadoo, conquer snowy trails with your snowmobiles, or explore the wilderness on your ATV—our toy insurance guarantees worry-free adventures.

Your Ticket to Protection

When the thrill of adventure calls, you want to answer without hesitation. Your toys are more than just machines – they're a source of excitement and joy. That's why we offer tailored coverage that fits your unique needs.

Types of toys we insure:

  1. Seadoos

    Seadoo coverage not only protects your watercraft from accidents and damage on the water but also extends to personal injury protection, ensuring you and your passengers are secure while making waves.

  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

    ATV Insurance coverage goes beyond just collisions, offering comprehensive protection and uninsured motorist coverage. So, this policy provides the security you need to push the limits, whether navigating mud pits, rocky terrains, or untamed wilderness.

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.

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Common Questions

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. It’s not just about protecting your assets; it’s also about safeguarding yourself from potential liability. Whether 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.

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.

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