Summer in Ontario means longer days, weekends at the cottage, road trips, and time outdoors. It’s also the season when motorcycles hit the road, boats return to the water, and ATVs head for the trails.
But before you turn the key or launch at the marina, it’s worth asking: Are your summer toys properly insured?
Seasonal vehicles and recreational properties often require specialized coverage — and assuming they’re automatically covered under your home or auto policy can leave you exposed.
Here’s what to review before the season kicks into full gear.
Motorcycle Insurance
Motorcycles carry unique risks — and standard auto policies don’t apply.
Motorcycle insurance typically includes:
- Third-party liability
- Accident benefits
- Collision and comprehensive coverage
- Protection for custom parts and accessories
If you’ve upgraded exhaust systems, added saddlebags, or customized your bike, make sure those additions are declared. Unreported modifications may not be covered after a claim.
Tip: Usage matters. Let your broker know if your riding habits have changed — occasional weekend rides versus daily commuting can impact coverage and pricing.
Boat Insurance
Whether you own a fishing boat, pontoon, or personal watercraft, marine insurance protects more than just the vessel.
Coverage may include:
- Physical damage to the boat
- Liability for bodily injury or property damage
- Fuel spill liability
- Towing and assistance
- Equipment and personal effects
Even experienced boaters can face unexpected risks — from storm damage at the dock to accidents on busy waterways.
Important: Not all home policies automatically extend liability to watercraft. Always confirm your coverage.
ATV & Off-Road Vehicles
ATVs and side-by-sides are popular for trail riding and property use — but they also carry liability exposure.
In Ontario, ATV insurance is required if operated off private property or on permitted roadways.
Coverage should include:
- Liability protection
- Collision and comprehensive
- Uninsured motorist coverage
- Protection for transported ATVs
If family members or guests use your ATV, ensure your policy reflects that exposure.
Trailers & Utility Units
Trailers are often overlooked.
Depending on the type (utility, travel, cargo, or boat trailer), coverage requirements vary.
Key considerations:
- Is the trailer covered under your auto policy while attached only?
- Do you need separate physical damage coverage?
- Are contents inside insured?
Assumptions about trailer coverage can create gaps, particularly if detached from the towing vehicle.
Cottage & Seasonal Properties
Opening the cottage for the summer? Seasonal homes require specialized coverage that differs from your primary residence.
Consider:
- Seasonal occupancy risks
- Water damage exposure
- Detached structures (docks, sheds)
- Rental or short-term sharing activity
- Liability for guests
Cottages often sit vacant for extended periods — and vacancy can affect coverage.
Tip: If you’ve made upgrades or purchased new equipment (dock systems, watercraft, renovations), update your insured values.
Bundle & Save Opportunities
Summer toys often qualify for multi-policy discounts when bundled with your home and auto insurance.
A seasonal review is a great opportunity to:
✔ Confirm all recreational vehicles are listed
✔ Update values to reflect inflation
✔ Review liability limits
✔ Explore umbrella coverage for added protection
Small premium adjustments now can prevent large out-of-pocket expenses later.
Enjoy the Season — With Confidence
Summer should be about relaxation and adventure — not worrying about whether you’re covered.
Before the season is in full swing, connect with your broker to ensure your motorcycles, boats, ATVs, trailers, and cottage are properly insured.
Because the only surprises this summer should be good ones.