ATV &Snowmobile insurance

For the Mud & the Snow

Whether snow, mud or both are your playgrounds, let us help you get the most out of every season.  

What Does it Include?

What is Mandatory:

Liability: Pays for injury, death and damages you may be responsible for as the result of an accident.  It also pays for defense costs associated with the accident.  

Uninsured/Underinsured Auto: What happens if someone without insurance hits my ATV or Snowmobile?  This coverage extends your policy to make sure you are insured against accidents even if the other driver does not have insurance.  

Direct Compensation- Property Damage (DCPD):  Pays for your ATV or Snowmobile to be fixed when you are not at fault in an accident.  

Accident Benefits:  Accident Benefits are also known as no fault insurance.  It is important to look at the limits and conditions, which are set by the government.  Generally it pays for a portion of your income if you are unable to work, for medical expenses not covered by OHIP, Funeral Expenses, Housekeeping Expenses and provides for help around the house if you are unable to do your daily chores.  This is one of the most important parts of your policy, which means it is extremely important you understand what is covered, and if you have enough coverage.  Our brokers are more than happy to explain your options.

Do I have other options?

Collision Coverage: If you are at fault in an accident, then you need collision coverage in order to fix your own ATV or Snowmobile.  Yes collisions with trees are still considered at fault accidents.  

Comprehensive Coverage: Covers your vehicle for fire, theft, lightning, windstorm, hail, earthquake, explosion, riots, falling objects, vandalism and more.  

All Perils Coverage: Combines Collision and Comprehensive.

Let one of our experienced brokers guide you through ATV & Snowmobile insurance and give you the peace of mind to drive with confidence.  We balance the needs of every individual and understand everyone has different priorities.  Call today to let us help you 905-623-4406.      

Contact Us

26 King St East Bowmanville ON, L1C 1N2


T: 905-623-4406

T: 1-800-836-7236

F: 905-623-5570

Our Hours

Monday: 9 am - 5 pm

Tuesday: 9 am - 5 pm

Wednesday: 9 am - 5 pm

Thursday: 9 am - 5 pm

Friday: 9 am - 4 pm

Saturday: Closed

Sunday: Closed

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About Us

James Insurance is a local insurance broker serving Bowmanville and the surrounding areas since 1893.  


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