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Exploring BC’s backcountry on an off-road vehicle (ORV) is a thrilling experience, but it comes with unique risks. From rollovers on challenging trails to theft from a campsite or storage, standard auto or home insurance won’t protect your machine. Specialized off-road vehicle insurance is essential to safeguard your investment and protect you from liability, no matter how far off the beaten path you go.
Complete Coverage for Every Adventure
Before you hit the trails, it’s crucial to have a comprehensive insurance policy in place. In British Columbia, you are required to have a minimum of $200,000 in third-party liability insurance to operate an ORV on Crown land, but a robust policy should go much further.
An effective off-road vehicle insurance policy can include:
At Prime Insurance, we have been tailoring ORV insurance packages for riders in Surrey and greater Vancouver since 1994. We know you need to be protected from the risks of the trail. We will create an insurance package that gives you the right protection at affordable rates, so you can ride with confidence. Contact us today for off-road vehicle insurance in Surrey, Vancouver, Langley, White Rock, Delta, Richmond, Maple Ridge, Coquitlam, Burnaby, North Vancouver, West Vancouver, and across the Lower Mainland.
Why Choose Us
We understand the specific risks of off-roading. Our policies are designed to cover you where standard insurance won’t—on forestry roads, trails, and private land—protecting you from theft, damage, and liability.
Your ORV is more than just a stock machine. We ensure your policy includes coverage for your valuable after-market accessories, custom parts, and riding gear, so your entire investment is protected.
As independent brokers, we shop Canada’s leading specialty insurers for you. We compare rates to find the most comprehensive off-road vehicle coverage at the best possible price, saving you time and money.
Your Trusted Broker for ORV Insurance in Surrey, BC
Securing the right off-road vehicle insurance in Surrey is a vital step for every rider. Our expert brokers specialize in finding the best ATV insurance, dirt bike insurance, and side-by-side insurance to fully protect you. We serve clients across Vancouver, Langley, and the entire Lower Mainland, providing tailored solutions.
As a leading insurance broker in BC, we make it easy to get a competitive ORV insurance quote. We compare the best options for riders in Richmond, Burnaby, and Chilliwack, ensuring your policy fits your machine and budget. Our goal is to be the top choice for ATV insurance in Surrey.
Let our team navigate the complexities of off-road coverage for you. We are committed to finding you the most comprehensive and affordable ORV insurance available.
Our Insurance Solutions
Get specialized coverage for your All-Terrain Vehicle. Our policies protect your quad against theft, damage, and on-trail liability, so you can explore with peace of mind.
Protect your high-performance machine on and off the track. We find competitive rates for dirt bikes, covering collision, theft, and liability for every adventure.
Your UTV is a major investment. We provide comprehensive coverage for your side-by-side, protecting you, your passengers, and your machine from the unique risks you face.
Get an Affordable ORV Insurance Quote in the Lower Mainland
Finding affordable ORV insurance in the Lower Mainland is essential. At Prime Insurance, we provide custom solutions for riders in Delta, Coquitlam, and Maple Ridge. As your expert insurance broker, we explain your options for comprehensive coverage that meets all legal requirements.
We make it simple to get an off-road vehicle insurance quote that fits your needs. Our team specializes in finding policies for every type of rider and machine. Our goal is to provide the most reliable ATV insurance in Surrey.
Trust our team to compare the options and find the right coverage for you. We are committed to finding the best off-road insurance in BC, offering unparalleled service and expert advice.
What our Clients Say
Excellent service. Kul was great, very personable. Took the time to look thru my insurance options and even get me extra discounts. Definitely will recommend and use Prime Insurance from now on.
I been using this location for my business for years, great customer service and knowledgeable people.
We have been buying house, car and travel insurance for the last 25 years. Kul is very helpful and knowledgeable. He goes the extra mile to treat his customers, the whole team treats their customers like there own family
I was so pleased with the great service and the advice given to me. I also always recommend them to family and friends. They never disappoint. So hard to come by these days. Probably the best shop in Surrey for insurance.
Excellent services received, attended on time, explain everything for clarification and I felt like a very great valued customer. Will definitely refer and recommend this location to my family and friends. Rating 9/10.
Excellent service. Sharan is very friendly and knowledgeable. Got answers to all my questions. Highly recommend this place.
FAQ’s
We know ORV insurance can be confusing. Here are clear answers to common questions to help you make the right choice.
Yes. To operate an ORV on Crown land or forestry roads in BC, you must carry a minimum of $200,000 in third-party liability insurance.
No. Home and auto policies almost always exclude coverage for ORVs, especially once they leave your property. You need a dedicated, specialized policy.
Not under a basic policy. We can add specific coverage for your after-market parts and accessories to ensure your full investment is protected from loss.
It is highly recommended. Keeping comprehensive coverage active protects your machine from theft, fire, or other damage while it’s in storage.
This depends on your specific policy. It is crucial to discuss who is permitted to operate your vehicle with us to ensure there are no gaps in your coverage.
Get in Touch With Us
We’re open daily to help you find the right coverage or make updates to your current policy.
