Are Your Summer Toys Protected?
The snow is finally gone! The weather is getting nicer and the lake, believe it or not, is getting warmer. It’s time for all of your favourite summer activities, whether it’s heading out to camp, going for a boat ride, or going on a road trip somewhere to get-away-from-it-all.
Preparing for Summer Fun
Summer is an exciting time for everyone – school breaks, vacations, holidays – and great weather! No one is more ready to take advantage of it all than those of us who have lived through 6 months of winter. It’s only normal to anxiously await the day we can break out all our summer toys – boats, motorcycles, ATVs, RVs, and jet skis (PWCs).
But before the fun begins, a little preparation is required. Are the engines tuned-up and ready to go? Fresh gas in the tanks? Air in the trailer tires? Are licenses and registrations up-to-date? Are all of the summer toys in tip-top shape and ready to go? One aspect of the tune-up process you might be forgetting is making sure all of your summer toys are properly insured. Why?
Summer toys can get stolen. Summer toys can get into accidents. People can get hurt. You can be liable if you damage property or others.
Having the right insurance on all of your summer toys can help protect you and your family from potential loss.
ATV Insurance
While you’re out at camp and decide to take your ATV out on the road, make sure you are carrying your ATV insurance. ATV insurance is required when using it off of your property, to cross public roads or lots, or on provincial-owned land. Have the proper coverage before taking your ATV out for a ride.
Motorcycle Insurance
The roads are clear and its finally time to take your bike out of the garage, do you have insurance in place before your first ride? Motorcycle insurance can include great features like 24/7 roadside assistance, accessory coverage for custom electronics, sidecars, etc., and transport trailer coverage. Remember to brush up on all your safety skills, have your engine tuned and get motorcycle insurance before your journey on the highway!
Boat/Personal Watercraft (PWC) Insurance
When summer toys are mentioned, your mind may go straight to “camp”. And what’s camp and the beach without a boat or a jet ski? Before having fun on the lake, you need to have the right insurance in case someone gets hurt, or there is physical damage to your favourite summer toy. Boat and PWC insurance have a lot of flexible options, including add-ons for all the accessories that you bring along in the boat — from digital SLR cameras to fishing equipment.
RV/Travel Trailer Insurance
RVs and travel trailers come in a wide variety of styles and shapes to match the needs of every summer vacationer. They can be massive motor homes with slide-out bedrooms to compact pop-ups that make standard tents look like something of the past. RVs need to have special insurance that will protect your investment and your family whether it is in storage or on the road. Even if you are living in your RV, there is specialized insurance that will meet all of your needs, contact us to see what suits you best.
Summer Fun with Peace of Mind
As you break out your grown-up summer toys in anticipation of some fun in the sun, don’t forget to have all of the insurance you need to keep your mind at ease. Whether you want to insure your motorcycle, RV or boat, contact Northern Insurance Brokers today for a free quote.