Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Motorized snow vehicles, such as snowmobiles, often require specific insurance coverage and endorsements to ensure they are properly protected under an insurance policy. Simply having a general recreational vehicle policy does not automatically cover motorized snow vehicles without additional endorsements. Therefore, it isn't correct to state that they are automatically covered.

Understanding this helps clarify the importance of ensuring that specific recreational vehicles are adequately insured according to their unique usage and legal requirements. Each type of vehicle, like a snowmobile, typically has its own set of regulations and coverage considerations that must be accounted for in an insurance policy.

The other options relate to the use and legality of recreational vehicles; for example, licensing and regulations regarding usage on highways are designed to ensure safety, leaving the distinction of coverage for vehicles like snowmobiles to specific endorsements.