Off-road vehicles

Theft and vandalism

Your snowmobile or ATV was vandalized or stolen. What’s the next step?

Are you covered?

Yes, if you added coverage for damage to your vehicle in your policy. That’s Section B of your policy (Comprehensive, Specified Perils or All Perils). Your insurer will deduct the amount of your policy deductible from the compensation amount.

In case of theft

Police report release

Contact the police as soon as possible. They will fill in and give you the number of the report.

Contact your insurer

Call your insurer or broker as soon as possible. Send him a copy of the police report number.

Agree on a settlement

Your insurer will replace your off-road vehicle according to the terms and conditions under your policy.

Indemnity payment

Depending on the agreement, your insurer may indemnify you or reimburse the dealer directly.

Your insurer will wait 30 days before compensating you. This is normal in case your vehicle is recovered within this period. Many stolen vehicles are, in fact, abandoned shortly after they are stolen.

In case of vandalism

Discover the five-steps process in case of vandalism. Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a speedy claims settlement, make sure you have all the relevant documents handy.

Rundown of a settlement process in a vandalized ATV

Settlement process in a vandalized ATV

Police report release Contact your insurer Appraise the damage Agree on a settlement Indemnity payment

Take photos of the damage caused and contact the police as soon as possible. They will fill in and give you the number of the report.

Call your insurer or broker as soon as possible. Send him a copy of the police report number.

Your insurer will examine your ATV to appraise the damage and establish the cost of repairs.

Your insurer will repair your ATV according to the terms and conditions under your policy.

Depending on the agreement, your insurer may indemnify you or reimburse the garage directly.