Whether it’s a sports quad, high performance, or side-by-side, we understand ATVs come in many different shapes and sizes. Beyond picking out your four-wheel ride, there are a few things to check off your to-do list as a responsible ATV driver in Ontario before you hit the trails. The proper insurance coverage for your all-terrain vehicle needs is one of them.
Many off-road vehicle owners believe their homeowner’s policy includes coverage for their ATV, but that isn’t always the case. At Gifford Carr, we appreciate the outdoor lifestyle that comes with ATVing. Connect with your local insurance broker before you go off-roading to secure the right coverage for your vehicle and its use.
FACTORS CONSIDERED IN YOUR ATV COVERAGE:
- Location (based on your home postal code)
- Age and experience of the driver
- Year, make, model, and value
- The cubic centimeter (CC’s) of the ATV (ie. its engine power)
Requirements to drive an ATV (or off-road vehicle):
According to the Government of Ontario, when driving an off-road vehicle you must:
- Registration (driver must carry and produce the registration permit or a true copy and proof of insurance if stopped, on or off the road)
- Display a license plate (except in exempted areas)
- Insured under a motor vehicle liability policy
- Trail List
Plan your next adventure on some of the best ATV trails across the province on the Destination Ontario list!
- Trail Permits
Some trails do require permits. The Ontario Federation of ATV Clubs provides resources to secure yours before your next adventure.
ATV Insurance Solutions
What does snowmobile insurance cover?
ATV insurance in Ontario, similar to car coverage, must contain the following:
- Third-Party Liability Coverage of at least $2,000,000 protects you if a third party is killed, injured, or has their property damaged. If you are sued, this coverage pays the claim up to the limit of your coverage as well as the cost of settling the claim(s).
- Statutory Accident Benefits Coverage provides supplementary medical rehabilitation, attendant care, caregiver, non-earner, and income replacement if you are killed or injured in an accident, regardless of the party responsible.
- Direct Compensation – Property Damage (DCPD) Coverage pays for the damage to your vehicle and its contents if another party is at fault for an accident that occurs in Ontario and if the driver is insured by an insurance company licensed in Ontario.
- Uninsured Automobile Coverage provides a financial benefit (up to the limits of your policy) for you and your family if you are injured or killed by an unidentified driver or by an uninsured motorist. This also covers damage to your vehicle caused by an unidentified driver.
There are additional coverages to add, like comprehensive (ie, fire, animal damage, vandalism, and theft) and collision, that are optional in Ontario. We recommend talking with your broker about the coverage best suited for you.
How are snowmobile premiums determined?
There are many different factors that go into ATV insurance rating. Generally, factors considered include:
- ATV value, size, and power
- Age and experience of the driver
- Location (based on your home address)
Do I need snowmobile coverage in the summer?
Coverage is rated year-round. Similar to car insurance, the premium quoted for your insurance is based on a full annual term. Unlike seasonal toys like snowmobiles and motorcycles where the premium is earned in peak season, the premium for your ATV is earned 12 months of the year.
Is snowmobile insurance required?
On trails and roads, yes. On private property, no.
But we say, it is highly recommended either way.
Who can legally drive a snowmobile?
Yes. In Ontario, you need to be at least 16 years old and hold a valid G2 or M2 license, at a minimum.
Find the rules for driving an off-road vehicle in Ontario here.