Explore more with Ontario’s best ATV/ UTV insurance.

With recreational riding, comes increased risks to safety. Our team of pros are specialized in custom coverages that protect your investment, your safety, and your time on the trails. Join our community of happy riders and request a quote now.

ATV & UTV Insurance

Custom coverage that’s built for riders like you.

We’re your go-to source for comprehensive coverage designed to protect your all-terrain and utility vehicles. Whether you’re tearing up the trails, tackling tough terrain, or enjoying off-road exploration, our customized insurance options are crafted to ensure your ATV and UTV experiences are limitless.

Know the difference in vehicle to better understand what coverage you need.

ATV

ATV Insurance

An ATV (all-terrain vehicle) is typically made for one rider and intended for off-roading, and trail riding activities.

UTV

UTV Insurance

A UTV (utility task vehicle) is a larger version of this vehicle, designed to haul heavier loads and support passengers.

What qualifies for this specific coverage?

There are a number of rec & leisure vehicles which would fall underneath this umbrella. Don’t see it on this list? Speak with a dedicated broker to make sure you’re covered before hitting the trails!

Car insurance in Ontario

Coverages

Get-to-know the 4 guaranteed coverages on your rec vehicle.

Third party liability

Third Party Liability

This provides coverage on associated legal expenses if you’re sued after an accident, including costs associated with injuries and damage that may have been caused to others if you’re at-fault in an accident.

Accident Benefits Coverage

Accident Benefits

This coverage will provide funds in the event that someone is injured and in an accident.

Uninsured Rider

Uninsured Rider

This will provide coverage on all costs if a rider is uninsured or involved in a hit-and-run.

ATV & UTV Insurance

Damage To Your ATV/ UTV

Should you be involved in an accident and not at-fault, this will cover the damages to your ATV/ UTV and/ or other property. This includes repairs or replacement.

We work with 20+ top insurance companies

Gore Mutual Insurance
Hagerty
Trillium
heartland far mutual
Our Insurers
Pal Insurance Brokers
Coachman Insurance Company
April Insurance
Totten Group Insurance

Jevco
SGI Canada
Burns and Wilcox
Forward Insurance Managers
Chubb Canada
Echelon Insurance
Special Risk Insurance Managers
Chutter Underwriting Services
Travelers Canada
Dumfries mutual

Our Reviews

What you say matters to us

We are proud to have a 4.8 Google rating with honest reviews from over 600 client experiences.
Bhargav Chiru
10 hours ago
Awesome service. Got everything setup and ready to go quickly at a great price. I had a few personal hiccups but Lisa was ultra-patient with me and helped me along the way with ease. Only just signed up, but great experience thus far!
Margie Howser
1 day ago
I had the pleasure of communicating with Mallory. She was very knowledgeable, answered all my questions and was extremely easy to work with. She was prompt and getting me the coverage needed for the best price. I would highly recommend this lovely lady to anyone needing car or home or both. Well done Mallory.
Ding
1 day ago
Today, Damian Poznanovic helped me complete all the price comparisons and submissions in just a few hours. He saved me at least $1,000 over the next year in a short time. He works quickly, and you can always rely on his professionalism.
Cole Thompson
2 days ago
Damian was fantastic, very patient and working around my schedule. Quick, concise, and easy to talk to. Got me a better rate than any other place I spoke to too.
john kaminskas
2 days ago
What can you say about your Insurance Brokers? Usually nothing until something happens, well something happened. I am so happy for these guys, Ryan Gosnell was Wonderful!! He helped me through car insurance and made the process painless! Wonderful Job, Thank You Ryan Sincerely Margaret Kaminskas
Matt Milligan
3 days ago
Damian was very helpful in my auto insurance search!!
Brandon Johnson
4 days ago
I highly recommend Duliban Insurance for all your insurance needs. A special shoutout to Mallory, who was highly knowledgeable, professional, and made the whole process a total breeze!
Ashley Upper
4 days ago
I had an excellent experience with my car insurance broker. Mallory is professional, knowledgeable, friendly, and genuinely took the time to make sure I understood my options. She made the whole process easy and stress-free and worked hard to find me the best coverage and rate. I really appreciated how responsive and helpful she was throughout the process. It’s refreshing to deal with someone who actually cares about their clients. I highly recommend her to anyone looking for an honest, reliable, and hardworking insurance broker!
Melad Jajou
5 days ago
Damian Poznanovic was a great help! He was very thorough and patient and helped us get a super deal!
Very helpful and knowledgeable ... and very quick to reply and help when needed! Damian, thank you for the effort you put into your work and for your excellent customer service approach!
Art B
6 days ago
I highly recommend Damian at Duliban Insurance Brokers! We recently went through the exhausting process of shopping around for quotes to cover multiple vehicles and properties. Out of all the brokers we reached out to, Damian provided the best quotes by far and stood completely head and shoulders above the rest. He was incredibly accommodating, deeply understanding, and genuinely patient as we worked through several rounds of adjustments and questions. He listened carefully to all our feedback and updated our quotes multiple times without a single complaint. Unfortunately, due to an unexpected vehicle safety inspection issue right at the finish line, we had to put our switch on hold and stay with our current provider for now. Despite knowing we weren't able to finalize the policy this time around, Damian remained just as professional, kind, and supportive. Because of his exceptional customer service and dedication, he will be the very first person we call when we are ready to shop around again next year. If you are looking for an insurance broker who actually listens, goes the extra mile, and gets you the best quotes, Damian is your guy!
Phil Dass
1 week ago
I have been dealing with Duliban for over 3 years now. Customer service and help is exceptional. Very informative and friendly. Spoke to Hailey-Jane with regards to switching my current policy to another vehicle. Couldn’t have been an easier process and she was so kind and friendly. Recommend them for any of your insurance needs
Hailey-Jane Hyatt from Duliban Insurance House/.Car Insurance was very professional, patient and helpful. Thank you for making this process easy. Kim G.
Paul D.
1 week ago
Great service, fantastic help. Ended up paying less than my previous insurance company for the same coverage.
Stafford
1 week ago
Our experience with Amy Brown was not only professional, but friendly and informative. Her thoughtfulness and expertise was very instrumental throughout the whole process of transferring our pre-existing tenant home and auto coverage to CAA. She was always ready to answer our questions and was very clear in her explanations. This interaction was one of the most seamless we have ever had, and I would highly recommend her services for any current or future clients of Duliban
Steven Earl
1 week ago
Damian was great to deal with he was able to insure everything from my home and vehicles to my wife’s wedding ring highly recommended ext 228
Callum Wiseman
1 week ago
Duliban Insurance has been such a wonderful company to deal with over the years! The service is friendly, professional, and genuinely caring, which makes the whole insurance experience so much easier. A special shoutout to Hailey-Jane, who is absolutely lovely! She was so kind, helpful, and a pleasure to deal with. It’s clear that she truly cares about her clients and goes above and beyond to make sure everything is taken care of. I would highly recommend Duliban Insurance to anyone looking for great service and people who genuinely care! ⭐⭐⭐⭐⭐
Michael Dover
1 week ago
Damian was an outstanding sales representative! Not only was he able to get me a great rate on my auto insurance, but he was genuinely a pleasure to work with. Before I met him, I never would have believed that shopping for insurance could be so much fun! Keep up the great work Damian!
Sarah C
1 week ago
We received amazing service from Damian at Duliban Insurance. He was able to provide us with a significantly lower premium than our current provider, with no reduction in coverage/benefits. He was very attentive, answered our many questions, and acted professionally throughout. We will recommend Duliban and Damian to our family and friends.
Cassia Scully
1 week ago
Damian was super helpful and went above and beyond to get me the coverage I needed
Tony R
1 week ago
Very responsive and helped me get the coverage I needed in a timely matter.
Courtney Lindsay
2 weeks ago
Marta was great! Very fast and efficient and she beat the other quote I got from somewhere else and she offered better coverage. 10/10.
Candice
2 weeks ago
Got quoted and help get insured by damian duliban. Great service. Highly recommend
Amber Oakley
2 weeks ago
Damian was awesome and such a big help!
Damien was very helpful and knowledgeable. Highly recommend!

Frequently asked questions

Your questions, asked and answered by our team.

Is it mandatory to have ATV or UTV insurance?

For a motorhome, tent trailer or utility trailer, coverage is best added to your auto policy. Travel trailers, park models, campers and mobile homes will be added to your home or auto policy, depending on whether you remain parked or travel to different vacation spots.

Can I drive my ATV or UTV on the road?

Having insurance on your ATV or off-road vehicle does not apply to public roads, however you are permitted to use the shoulder of the road (where applicable) and also cross public roads at the marked trail crossings.

What factors will affect my insurance cost?

Variables such as where you live, your driving record, any past claims and your age/ gender will all impact your total premium. When it comes to the vehicle specifically, the purchase price, model, speed and horsepower of your ATV or UTV will also be factored into the final cost of your insurance.

Does ATV insurance cover theft?

ATV insurance may cover theft if you choose to include comprehensive coverage on your policy.

**This is optional coverage that protects your vehicle from specific perils.

Do you need a driver’s license to drive an ATV/ UTV?

Yes, in Ontario it is required that you possess a valid driver’s license when you are behind the wheel, driving on any on-road or public property/ roads.

Get a quote today

Get a quote today

Working with a broker guarantees your access to the best available insurance with the added benefit of personalized support. See for yourself and get a quote now.    

Read our blogs

Hear what’s trending in insurance

Our blog is packed with the tips and tricks you want to read, and deserve to know.

Duliban Insurance Brokers Expands Hamilton Presence Through Combination With Tripemco Insurance Group Duliban Insurance Brokers Limited, a division of McDougall

Restaurant Insurance In Ontario For Owners and Managers

Restaurant Insurance Ontario: What Restaurant Owners Need to Know Restaurant insurance in Ontario typically combines commercial general liability, property, business

Duliban Insurance Brokers Expands in the GTA Through Acquisition of Insuranceland Inc. Duliban Insurance Brokers Limited, a division of McDougall

keep receipts and take notes for insurance adjuster

After experiencing flooding in your home, reporting your insurance claim is an important first step. But what happens while you’re

commercial flood claims

Heavy rainfall and flooding can bring business operations to a sudden halt. Whether it’s water entering your storefront, damaged inventory,

portable generator

Over the past few months, we have experienced more power outages lasting countless hours. Whether they are caused by a

Give us a call

Give Us a Call

1-855-385-4226

Contact Us Contact Us
Duliban Insurance Brokers in Ontario

About Us

History

Locations

Resources

Our Insurers

Blog

Join The Team

Careers

Contact

Auto

Classic Car 

Electric Vehicle

High Risk 

Motocycle

Ride Sharing & Uber

Home

Condo

Airbnb

Cottage

Landlord

Tenant

Business

Small Business

Commercial Auto

Commercial Property

Contractor

Cyber

Liability

Farm

Recreation

RV

ATV & UTV

Slingshot

Snowmobile

Boat

Tractor Protect

Mich Stars

We have a 4.8 rating from over 600 reviews