ATV & Snowmobile Insurance in NS, NB & PEI
In the Maritime provinces, ATV owners and snowmobile owners are legally required to have insurance to drive their machines, just as insurance is required to drive any automobile. You may have heard that this insurance requirement referred to as PLPD, or public liability and property damage.
The coverage you choose for your off-road vehicle based on your needs will affect your premium. While different provinces require different levels of coverage for these vehicles, you will need PLPD coverage if you plan on taking it across public roads or property. Depending on the value of your off-roader, you also might want to consider collision or comprehensive coverage.
What Does PLPD Include?
Third Party Liability (Section A): Covers your liability to other drivers, up to the limit of your policy.
Accident Benefits (Section B): Covers you in the event of an accident, including rehabilitation and lost wages.
Uninsured and Unidentified Automobile (Section D): Covers you if you are in an accident with a driver who has no liability insurance or cannot be identified.
Most policies also include SEF 44 Family Protection, which—while not mandatory—may be required by some insurers.
Open Skies
AA Munro Insurance has access to the Open Skies program, which provides outstanding rates for the basic legal requirements for ATV & snowmobile policies and additional coverages you may want. The sky is the limit!
