NuRoad Insurance Quote - User Guide

Getting Started

Welcome to the NuRoad Insurance Quote application! This web-based form helps you quickly generate insurance quotes for your snowmobiles and ATVs in Manitoba.

Navigating the Form

The form is organized into 6 sections accessible via the wizard navigation bar at the top:

• Policy - Effective date and province
• Insured - Your personal information
• Claims - At-fault accidents and violations
• History - Insurance history
• Experience - Years of experience, safety course, deductible
• Vehicles - Add and configure your snowmobiles/ATVs

Click any section pill to jump directly to it, or use the Next and Back buttons at the bottom of each section. Completed sections show a solid blue indicator, the active section pulses, and future sections are locked until previous ones are complete.

What You'll Need

• Policy effective date
• Personal contact information (name, email, phone, address)
• Claims and violations history (past 5 years)
• Insurance history details
• Experience with snowmobiles and/or ATVs
• Vehicle details: type, value, year, make/model, serial number, plate (if applicable)
• Primary operator information for each vehicle

Browser Requirements

This application works best on modern browsers:

• Microsoft Edge (recommended)
• Google Chrome
• Firefox
• Safari (desktop and mobile)

Policy Information

Policy Effective Date

Select the date you want your insurance coverage to begin. Click the calendar icon or type the date directly in YYYY-MM-DD format.

Province

Currently locked to Manitoba. This program is specifically designed for Manitoba residents.

Insured Information

Enter your personal details. All fields marked with * are required.

Name

• First Name: Your legal first name
• Last Name: Your legal last name

Your full name will automatically populate as the Primary Operator for your first vehicle. You can change this if needed.

Contact Information

• Email: Must be a valid email address (e.g., you@example.com). We'll send your quote here.
• Phone: Enter 10 digits. The form will auto-format it as (123) 456-7890.

Address

• Address: Street address. Start typing and select from suggestions if autocomplete is enabled.
• Town/City: Your municipality
• Postal Code: Canadian postal code in A1A 1A1 format (auto-formatted)

Claims & Violations (Past 5 Years)

Accurate reporting is essential for your quote and policy validity.

At-Fault Accidents

Select the number of at-fault accidents you've had in the past 5 years (0 to 4+).

Violations/Convictions

Select the number of traffic violations or convictions in the past 5 years (0 to 4+).

Alcohol/Drug Violations (Past 15 Years)

Have you had any alcohol or drug-related violations in the past 15 years?

Clean Record Confirmation

If you select 0 for both at-fault accidents and violations, you must check the confirmation box to proceed with printing or emailing your quote.

Insurance History

Policy Cancellation/Decline

Has any insurance policy ever been cancelled, declined, or refused for you?

• If No, continue to the next section.
• If Yes, provide the reason, previous insurer name, and any loss payable information.

Experience & Use

Years of Experience

Select your experience level:

• Snowmobile Experience: Years you've operated snowmobiles (0 to 25+)
• ATV Experience: Years you've operated ATVs (0 to 25+)

Pleasure Use Only

Are you using the vehicle(s) for pleasure only, or for commercial/business purposes?

Safety Course

Have you completed a recognized safety course?

• Yes: Receive a 5% discount on your premium
• No: Standard rate applies

Deductible Option

Choose your deductible level using the visual card selector (affects your premium):

• GOOD - $1000 (+0%): Standard deductible (no extra cost)
• BETTER - $750 (+7.5%): Adds 7.5% to your premium
• BEST - $500 (+10.0%): Adds 10% to your premium

Lower deductibles mean higher premiums but less out-of-pocket cost if you need to make a claim. Click the card that best fits your needs—the selected card will highlight with a colored border matching the tier.

Vehicle Details

You can insure up to 3 vehicles on one quote. Click + Add Another Vehicle to add more.

Basic Vehicle Information

• Type: Select Sled (Snowmobile) or ATV
• Value: Enter the purchase price or current market value in Canadian dollars (e.g., 12000). The form will format it as $12,000.
• Year: Model year of the vehicle
• Make, Model & CC: Brand, model name, and engine size. Start typing to see suggestions from our catalog (e.g., "Ski-Doo MXZ X 850cc").
• Serial Number: VIN or serial number (typically 17 characters, but enter what's on the unit)
• Plate: License plate number, if applicable (leave blank if none)

Additional Options

• Brand New: Is this vehicle brand new? (Yes/No) — affects Green Rating Credit (GRC)
• Snopass: Do you have a Snopass membership? (Yes/No) — earns you a Safe Rider discount

Primary Operator

For each vehicle, provide operator details:

• Name: Full name of the primary operator (auto-filled from insured name for first vehicle)
• Driver's License #: Operator's driver's license number
• Date of Birth: Operator's DOB in YYYY-MM-DD format

Premium Breakdown (Per Vehicle)

Click Premium Breakdown under each vehicle to see how the line premium is calculated:

• Base Rate
• Deductible adjustment
• 50+ Discount (if operator is 50+)
• Safety Course discount
• Safe Rider (Snopass) discount
• RC (Brand New vehicle)
• Claims Surcharge
• Line Total

Removing Vehicles

Click the Remove button on any vehicle (except the first) to delete it from your quote.

Quote Summary & Actions

The right-hand sidebar (or bottom of the page on mobile) shows your total quote in real-time.

Summary Totals

• Premium (all vehicles): Sum of all vehicle line premiums
• Taxes (7%): Manitoba provincial tax
• Total: Total premium amount

Actions

Once all required fields are complete and you meet eligibility criteria, these buttons will become active:

Print Quote

Opens your browser's print dialog. Print or save as PDF for your records.

Email Quote

Opens your default email client with a pre-filled message containing:

• All your entered information
• Full premium breakdown per vehicle
• Quote totals
• A shareable link to restore the quote

The email is addressed to nuroad@oneinsurance.ca with your email CC'd.

Clear Saved Data

Permanently erases all saved quote data from your browser. You'll be asked to confirm before deletion.

Auto-Save & Data

How Auto-Save Works

The form automatically saves your progress to your browser's local storage every time you make a change (after a short delay).

• A small indicator at the top of the summary shows "Saving…" then "Saved just now" with a timestamp.
• Your data persists even if you close the browser or navigate away.
• When you return, your data is automatically loaded.

Data Privacy

All your data is stored locally in your browser. Nothing is sent to a server until you click Email Quote or share the quote. For detailed information about how we protect your data, see our Privacy & Security page.

Clearing Data

To remove all saved data:

1. Click Clear Saved Data in the summary section
2. Confirm the action
3. The page will reload with a fresh, empty form

Sharing & Export

Backup Quote

Click the hamburger menu (☰) in the top-right corner, then Backup Quote to download a .nuroad file containing all your data. The .nuroad format is a JSON file with your complete quote. You can restore it later using Restore Quote.

Restore Quote

Upload a previously saved .nuroad backup file to restore all your quote data. The import process will overwrite your current form with the backed-up information.

Share / QR

Generate a shareable link and QR code:

• Opens a modal with a URL you can copy
• Displays a QR code that others can scan
• Check "Redact personal info when sharing" to remove names, contact info, and serial numbers from the shared link

Troubleshooting

Print/Email Buttons are Disabled

Ensure:

• All required fields in Insured Information are filled (first name, last name, email, phone, address, town, postal code)
• Email is in a valid format
• Phone has exactly 10 digits
• You don't have DUI violations
• You have 3 or fewer total incidents (at-fault accidents + violations)
• If you selected 0 for both accidents and violations, the confirmation checkbox is checked

Autosave Not Working

• Check that your browser allows local storage (not in private/incognito mode)
• Clear your browser cache and reload the page
• Try a different browser

Address Autocomplete Not Working

Address suggestions require a valid Google Places API key. If suggestions don't appear, you can still type your address manually.

Make/Model Suggestions Not Appearing

• Ensure you've selected a Type (Sled or ATV)
• Type at least 2 characters
• Check spelling (e.g., "Ski-Doo" not "Skidoo")

Dark Mode Issues

Toggle dark mode in the settings menu (☰). The app also respects your system dark mode preference automatically.

Contact & Support

ONE Insurance

For questions about coverage, policy details, or if you encounter eligibility issues:

• Phone: 1-888-204-4656
• Email: nuroad@oneinsurance.ca

Technical Support

If you experience technical issues with the quote form (bugs, errors, or unexpected behavior), please contact your broker or ONE Insurance support.