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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.

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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.

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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?

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