Recreational insurance

Providing Insurance for Boats, ATV's, Off Road Vehicles and Snowmobiles

Why Choose Us

Whether you are having a relaxing afternoon fishing, crashing through the bush, or flying through the snow, the last thing you want to do is worry about your toys.  Let us help you properly protect them, so you can get back to just enjoying them.

What Does Recreational Insurance Include?

What is Mandatory:

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

Uninsured/Underinsured Auto: What happens if someone without insurance hits my car?  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 car to be fixed when you are not at fault in a car accident.  Will also pay for your rental vehicle while your vehicle is being repaired.

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.

What is Optional?

Collision Coverage: If you are at fault in an accident, then you need collision coverage in order to fix your own car.  

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 recreational insurance.  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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