NuRoad Off-Road Vehicle Insurance: Built for Manitoba’s Toughest Trails
You don’t just ride for the thrill; you ride for the freedom. But when you are kilometres deep in the backcountry, you need to know that someone has your back.
At Guild Insurance Group, we are more than just insurance providers—we are your neighbours and your advocates. We understand that an off-road vehicle isn't just a "unit"—it's your weekend escape, your winter passion, and a significant investment.
That is why we don't just sell standard policies. We recommend NuRoad Off-Road Vehicle Insurance because we know it offers the specific, rugged protection Manitoba riders actually need.
Why We Recommend NuRoad
We understand the unique challenges that come with owning and operating off-road vehicles. That’s why NuRoad Off-Road Vehicle Insurance is designed to protect you against the unexpected, so you can focus on enjoying the ride with confidence.
NUROAD ORV Rate Card 2026
Coverage That Goes Further
- True Replacement Cost: If your new sled or ATV is a total loss, we ensure you can replace it—not just get paid a depreciated value.
- Manitoba-Specific Protection: We ensure you are covered for local hazards like breaking through ice and sinking in muskeg—risks that many other policies exclude.
- Salvage Support: Getting stuck is stressful enough. We include up to $1,000 to help cover professional recovery costs.
- Gear & Accessories: From custom mods to your riding gear, we include up to $2,000 in accessory coverage.
We Reward Safety & Experience
As your broker, we want to help you keep your premiums low. We will ensure you get every discount you are eligible for:
- 15% Age Discount: For riders aged 50 and over.
- 10% Safe Rider Discount (Snowmobiles): If you hold a valid Snopass and have a clean record.
- 5% Safety Course Discount: For completing a certified course (e.g., Snoman).
Getting Covered is Simple
- No vehicle inspection required
- Replacement Cost coverage on brand-new machines
- Minimum of at least 90% of the unit's depreciated value must be insured
- Surcharges may apply for previous traffic convictions or claims
- Your choice of deductible: $1,000, $750, or $500
- Coverage is on All Perils form (excluding any liability insurance) and is subject to the applicable deductible as well as the depreciated value at the time of loss
- Applications can be accepted online; coverage is in effect once full payment is received
Easy, Hassle-Free Coverage
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Complete our quick online quote form and click Get Your NuRoad Quote, or
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Visit one of our Guild Insurance Group locations to speak with a knowledgeable local insurance advisor
ORV & Snowmobile Accident Prevention
Riding an ATV, snowmobile or another off-road vehicle (ORV) can be a fun outdoor experience. Before you hit the trails, make sure safety is part of the plan. Off-road vehicles should be operated using proper techniques and procedures to prevent serious injury or death.
For fun and safe recreation on an ORV or snowmobile, be sure to follow these safety tips:
Keep the trails safe and fun for everyone - snowmobile drivers should always be over 16 and wearing an appropriate helmet.
Ride safely and remember - online one rider at a time unless your vehicle is designed for passengers.
Never drink and ride - find another way home. Stay safe.
Prevent accidents by staying on the trails and riding at a safe speed - you don't know what might be under the snow.
ORV & Snowmobile Theft Prevention Tips
Follow these theft prevention tips to keep your outdoor recreation equipment safe and sound, and ready for your next Manitoba adventure.
Store your ORV or Snowmobile in a secure garage or other permanent structure to prevent theft
Don't have an enclosed structure to store it in? Prevent theft by securely chaining the frame to a tree. Use a good quality chain and a lock.
Never store your ORV or Snowmobile on an open trailer - it's an invitation for thieves. Use open trailers for transport only.
