Welcome to LMBF Assurances
LMBF, your one-stop shop for all your insurance needs, including your ATV. Our team constantly goes above and beyond to ensure that your needs are met and that you are adequately covered. The Quebec government requires a minimum of civil liability insurance, but we can offer you a lot more. Our protections cover all damage that results from a collision or all complete damages, such as fire, theft, and vandalism. Our team is dedicated to serving you better and is always ready to discuss or answer any questions you may have. Do not hesitate, call us today to benefit from our advantageous rates according to your budget.
Mountain bike insurance is mandatory if you plan to use it outside of private property and on public roads. While registering off-road ATVs is not mandatory, it is in your best interest to have the minimum required to protect yourself from any unexpected event. In addition, if you use your mountain bike on public roads, you will need to take out mountain bike insurance because it is a motorized vehicle (similar to car insurance!).
Depending on the provider, you may have personal insurance to protect yourself and your family from the financial consequences that could result from being injured in an accident or from your unexpected death as a result of an insurable incident.
Like any other vehicle insurance, comprehensive coverage and collision coverage are optional protections to include in your policy, unless you have an additional interest (finance or leasing company) in the ATV. Collision coverage will cover the cost of repairs (minus the deductible) if you are the victim of an at-fault accident. All-risk coverage will cover your ATV up to its real value in the event of fire, theft, vandalism, flooding, or collision with an object or animal.
Civil liability is mandatory in Quebec for any driver who uses his vehicle on public roads. If you're wondering what civil liability covers, it will cover you if you unintentionally injure someone, whether it's a pedestrian, another driver, a passenger, etc. It also covers damage you may cause to someone else's property. All-terrain vehicles (ATV) are not exempt from this coverage; they must be insured with the minimum required by the province of 1,000,000. If you ask our experts, they will encourage and advise you on the fact that the minimum may not be enough, they will always make sure you are properly covered so you can have peace of mind.
Extensive coverage covering most claims, except for specific exclusions.
Responsibility towards third parties. Simple and essential protection adapted to your situation.
Covers damage to your vehicle as a result of a collision with another vehicle or object.
Permet de remplacer un bien ou un véhicule par un équivalent neuf, sans dépréciation, selon les conditions du contrat.
Covers additional costs if you can no longer use your home or vehicle as a result of a covered claim.
Avoid an increase in your premium following a first responsible accident.
Protects you if you are involved in an accident with an uninsured or under-insured driver.
Offers compensation in case of injuries (you or your passengers) as a result of a covered accident.
Offers help in the event of a breakdown, including towing and road assistance.
Allows you to replace an asset without taking into account its depreciation.
Covers ATVs against damage, accidents and liabilities related to their use.
Covers motorhomes against damage, theft and civil liability.
