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Recreational Vehicle Insurance

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ATV Insurance

About this insurance

Did you know that if you drive an ATV on public roads, it is mandatory to carry insurance coverage? Not to worry. Whether you’re using your ATV for hunting, fishing, or exploring trails, we have the coverage you need.

Here’s how it works

Our protection covers all-terrain vehicles (ATVs). 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.

Much like car insurance, ATV insurance is mandatory, subject to certain exceptions. The mandatory insurance coverage includes liability coverage in the event that you are legally liable for bodily injury or property damage caused by the use or operation of your ATV, and it may also include Accident Benefits coverage for medical expenses and loss of income, as well as other coverage depending on your province. This does not apply to the province of Quebec.

You can also purchase additional voluntary coverage for your all-terrain vehicle. The options include comprehensive, which is protection against theft, vandalism and other perils, and collision, which is coverage for damage to your vehicle caused by a collision with another object or by upset.

Who’s eligible?

  • You own an all-terrain vehicle (ATV).
  • You have the necessary ATV provincial license.
  • Your off-road vehicle costs less than $30,000 including taxes and accessories (except for Ontario where the cost is limited to less than $20,000).
  • Your ATV is plated and/or has been issued an off-road permit/license by the provincial government.
  • You reside in Alberta, Yukon, Northwest Territories and Nunavut, Ontario, Quebec or an Atlantic province.
For more details on eligibility, visit our restrictions section.

Frequently Asked Questions about our ATV insurance

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 advisor 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.