Frequently Asked Questions about Offroad Vehicle Insurance - NS

Where does my insurance cover me?
The GOT TOYS insurance policy covers you anywhere you can legally ride in Canada or the continental United States

What limits limits of Third Party Liability can I buy?
You have an option of $ 500,000, $ 1,000,000 or $ 2,000,000 limits on third party liability while being operated by a licensed operator.

What is a third party liability?
This provides your legal liability. If you injure others (including your passenger) or damage their property, they can sue you; including defense cost. It is the only program that extends coverage up to $ 25,000 for sudden and accidental pollution.

Sometimes I ride with a passenger. Am I still covered?
Yes, we have no exclusion for riding with a passenger

Sometimes I lend my machine to someone else. Am I still covered?
Yes, our Definition of Insured extending coverage to ANYONE with owner's permission, eliminating the common restriction of "immediate family residing at home"

Am I still insured if I let my 12 year old ride?
We have no age limitation in our policy but the liability limit drops to $ 500,000 with $ 1000 deductible on property damage. If the principle operator has less than 3 years riding experience then there will be a surcharge.

Do you have a mandatory expiry date on liability?
NO mandatory expiry date on liability. It is a year from effective date. You do not pay a years premium for less than a years insurance.

I may use my machine for incidental business use. Am I covered?
Yes - if you declared this on a manual application and submit for approval & rating.

What if I am injured in an accident while operating my unit?
You can purchase Accident Benefits to cover you for injury while riding.

What is accident benefits?
This covers the operator and passenger with costs resulting from accidental death (including funeral expenses), disability, rehabilitation, medical treatment, and loss of income.

Can I buy the Accident Benefits without purchasing liability?
No, it is only available with liability insurance.

Can I buy insurance on my unlicensed Trail Bike?
Yes, subject to the same terms and conditions as for other off road vehicles

Can I insure my quad, snowmobile, dune buggy and trail bike all in 1 policy?
Yes, all your off road vehicles can be insured under one policy.

Is coverage all with the same insurance company?
Yes, with certain Underwriters at Lloyd's of London.

What if I have an aftermarket turbo charged snowmobile or have modified it to operate on nitro?
They still qualify for insurance including physical damage coverage if declared on the application, including Replacement Cost if applicable. A surcharge may apply

What physical damage coverage do you offer?
GOT TOYS offers All Perils, which includes collision or upset, or Comprehensive which is All Perils excluding collision or upset. All provide coverage for theft with no restrictions, and all have a $500 deductible all losses. There is an optional $250 deductible on all perils.

What limits can you offer on physical damage?
We offer up to $ 40,000 for physical damage on quads, dune buggies or sleds, and up to a limit of $25,000 on a trail bike

Do you offer Replacement Cost with no depreciation?
Yes, we offer true Replacement Cost (not to be confused with agreed value) for 24 months from date of delivery of your quad or sled including inflation guard. You must provide a copy of the bill of sale and insure for 100% of value including attachments, modifications and taxes.

What about my trailer, is it insured?
Yes, a dedicated trailer or deck is automatically insured for the same coverage you have on your off road vehicle, up to a limit of $ 1,000. Higher limits can be purchased if needed. (see Rider Plus)

What does Rider Plus cover me for?
It covers search & rescue rescueof the individual (note - recovery of the insured unit is covered under the policy itself as long as the cause of the loss is due to an INSURED PERIL), increases the limit on riding gear, increases deck & trailer limit to $5,000, lock re keying and travel protection.

My liability insurance expires on a different date than my physical damage. How do I get them to both expire at the same time?
We can issue a policy for a full year from the date either policy expires, and then add the other coverage to your policy on a pro rata basis when it expires. We can do the same if you have more than 1 unit insured and wish to have them all expire at the same time.

Does GOT TOYS rating offer discounts?
Yes, we offer discounts for:

  • Membership in recognized Provincial Associations or their clubs

What if I have a claim, does it affect my coverage or premiums on renewal?
If you qualify for GOT TOYS, you will not be penalized, unless you have more than 1 at-fault claim within 3 years. Any operators who have had more than 1 at-fault claim within 5 years must be submitted manually for our review and approval.

Who do I contact in the event of a claim?
To start the claims process, please contact your broker. They will fill out the claims loss report form with you.

Where can I buy GOT TOYS?
You can purchase at any of our local agents in NS who are there to serve you. Deal with your licensed local agent doing business in your community shown on the Agents list on this site. You can also purchase directly on this site, or call our office directly.

Who should I contact if I have any concerns or am dissatisfied with the service that I've received?
Oasis is committed to providing excellent service, however if that service did not meet your needs or expectations, we want to hear from you! We will be pleased to work with you to resolve your issue.

Please send your concerns to or phone 306-446-2747 or toll free 1-866-979-2747.