Gifford Carr Insurance Group

Search

Menu

Search

ATV Insurance

Trail-tested coverage

Explore the Canadian terrain with confidence knowing that you and your ATV are protected. Our insurance solutions offer peace of mind, ensuring that your off-road adventures are backed by reliable protection.

Connect with a broker

What is ATV Insurance?

All-terrain vehicle insurance is a specialized type of insurance designed to protect your all-terrain vehicle from risks like theft, accidents, and liability claims. Whether you’re on the trails or storing your vehicle for the season, this coverage ensures you’re ready for whatever comes your way.

Types of coverage for all-terrain vehicles

ATV insurance offers key coverages to ensure the security of you and your vehicle, including:

  • Collision coverage 
  • Comprehensive or specified perils 
  • Direct compensation – property damage (DCPD) coverage 
  • Statutory accident benefits coverage 
  • Third party liability coverage 
  • Uninsured automobile coverage  

Gear up for your next adventure.

Embark on off-road adventures confidently with our flexible coverage solutions designed to keep you protected against unexpected surprises on the trails.

Chat with a broker

Frequently asked questions

Find answers to common questions about all-terrain vehicle insurance.

What factors influence the cost of my premium?

Numerous factors influence the cost of your ATV insurance premium, including: 

  • Age and experience of rider 
  • The value, size, and power of your ATV 
  • Where you live 

Is ATV insurance mandatory?

ATV insurance is mandatory if you plan to ride your vehicle on public roads or public property, like some riding trails. Although insurance coverage is not legally required on private property, accidents still happen, and ATV insurance offers financial protection from incidents resulting in personal injury, property damage, or death.

What do I need to drive an ATV?

According to the Government of Ontario, when driving an ATV you must: 

  • Carry proof of insurance and registration 
  • Display a license plate (except in exempt areas) 
  • Have coverage under a motor vehicle liability insurance policy 

Have more questions?

Contact us for more information.

Get in touch

Insights + Information

Get the latest tips from our experts

4 min read

Equité Association’s Annual Stolen Vehicle Report: Is Your Car on a Thief’s Shopping List?

Auto theft is a growing concern in Canada, and car owners must stay informed and take preventive measures to protect their vehicles. Équité Association, a not-for-profit organization working to combat insurance crime in Canada, has released its annual Top 10 Most Stolen Vehicles in Canada.
Read more
4 min read

The Ultimate Guide to Safely Cleaning Your Dryer Vent

Did you know that household dryers are responsible for 15,000 house fires* every year? It's a startling statistic that should serve as a reminder for all of us to check and clean our dryer vents regularly. In this blog post, we will guide you through the process of safely cleaning your dryer vent to prevent fires and ensure your appliance runs efficiently. So, before you throw that last load in, take a moment to tend to your dryer vent and prioritize the safety of your home and loved ones.
Read more
4 min read

Vehicle Tracking System: You May be Eligible for Free Installation

Auto theft is a growing problem in Canada, with more than a 300% increase over the past five years. As a result, insurance companies estimate $1 billion in losses to car thieves, according to the Insurance Bureau of Canada (IBC). To combat rising theft rates, insurance companies are looking for innovative solutions to reduce the number of stolen vehicles and improve the chances of recovering them. One solution is to install anti-theft tracking devices in cars.
Read more
Close
Cancel