Oegema, Nicholson & Associates Insurance Brokers Ltd.

As much as some might not want to admit it, summer is over. This time of year when the temperatures cool off and leaves begin to fall might mean many things to different people, whether it’s time to put the sports car or classic ride away into storage, or time to bring the snowmobile out and start getting it ready for the trails. One thing all should be aware of is the importance of having your seasonal vehicles insured.

Even if you only drive a vehicle for a few months out of the year and store when not in use, all vehicles should be insured, including when not in use. Seasonal vehicles can include:

  • All-terrain vehicles (ATVs) and two-up ATVs
  • Motorcycles, mopeds, motor scooters and motor-assisted bicycles
  • Off-road vehicles
  • Recreational vehicles (RVs)
  • Snowmobiles
  • Classic Cars
  • Sports Cars



All of the vehicles listed above should be insured for when you’re enjoying them as well as when they’re not in use to protect them against fire, theft and other types of damages which may occur while they’re in storage. Insurance requirements for different types of seasonal vehicles can vary by province and include specific requirements regarding minimum driver age, helmet use, highway crossing and private property use exemptions. For more information about what coverage you should have for your seasonal vehicles, contact our offices so you can enjoy your vehicles with peace of mind.

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  • “We have had our house and vehicle insurance with OEGEMA-NICHOLSON & ASSOC. INS. BKRS. located at 243 Castor Street in Russell, Ontario, for several years now. The people in the office have always been friendly and courteous whenever we had any queries and, in particular, we want to thank Christopher Lough who has been so helpful in every way. The thing we like the most is when you telephone this office you get a live person answering and not a machine.”-Jerry Gaudry
  • “I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”-Charlene Brunet, President, Dan Murphy Ford
  • “ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!”-James Carriveau, President, Exact Interlock and Exact Properties
  • “I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can’t begin to thank her enough.”-Tim
  • “It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of.”-Rhonda, Capital Dodge
  • “I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs.”– Omkar Atwal, Owner, Leitrim Home Hardware
  • “One call to Oegema, Nicholson Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”– Jennifer Parks, Stittsville, Ontario