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All-Terrain Vehicle Insurance


Frequently Asked Questions
All-terrain vehicle definition
Licensing requirements
ATV on a public road
ATV coverage
Safety courses
Restrictions

 

All-terrain vehicle definition

How do you define an all-terrain vehicle (ATV)?
ATVs are generally defined as self-propelled vehicles with four or more wheels designed to be driven off-road on land, snow and ice. A good example of an ATV would be a four-wheel vehicle used near your home or cottage, or for recreation such as exploring forest trails. Snowmobiles are not considered ATVs. Since ATVs may be defined differently by provincial laws, please refer to the legislation in your province to determine if your vehicle qualifies as an ATV and to learn what your obligations are.

 

Licensing requirements

Do I need a license to drive an all-terrain vehicle (ATV)?
It depends on the province you live in. Please contact your local provincial ministry of transportation office to review licensing requirements for your ATV.

 

ATV on a public road

Why would I need insurance?
If you are going to be trail-riding, using the vehicle on property that you do not own, or crossing any public roads or parking lots, your ATV must be registered and you will require a license and insurance coverage. Visit our ATV information page for more details, or consult the applicable legislation of your province or territory.

 

ATV coverage

What is covered under all-terrain vehicle (ATV) insurance?
ATV protection is similar to your automobile protection. You are required by law to carry some insurance coverage such as third-party liability. You may also purchase additional coverage such as Specified Perils, Comprehensive, Collision and All Perils. Contents carried in your vehicle may also be covered by your residential insurance policy.

 

Safety courses

I hear there are safety issues with all-terrain vehicles (ATV). Are there courses I can take to learn how to drive safely?
The Canada Safety Council provides information on courses. You can also contact the local ATV federation for ATV safety courses.

 

Restrictions

Are there any reasons why you might not sell me ATV insurance?
There are restrictions and exclusions which you can learn more about at: Restrictions. Here are some examples of what may affect your likelihood of obtaining insurance:
  • If you’ve had 1 or more at-fault accidents in the last 5 years and any driver listed on that vehicle has had 2 or more minor convictions in the last 3 years.
  • If you’ve had 1 or more at-fault accidents in the last 5 years and 1 or more cancellation for non-payment in the last 3 years.
  • If you’ve had 2 or more minor convictions and 1 or more cancellation for non-payment in the last 3 years.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.

Call us for more info: 1 800 338-0218