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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.

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

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!
- Recreational, sports and utility ATV’s
- Quads
- 4-wheelers
- Side-by-side
- UTV (utility task vehicle)

Coverages
Get-to-know the 4 guaranteed coverages on your rec vehicle.
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
This coverage will provide funds in the event that someone is injured and in an accident.
Uninsured Rider
This will provide coverage on all costs if a rider is uninsured or involved in a hit-and-run.
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.
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Excellent experience working with Alex Shortridge for my condo and mortgage insurance. I was under a very tight deadline before closing on a new condo, and Alex truly went above and beyond.
She took the time to understand my family’s needs and secured home insurance coverage that was more comprehensive and better tailored than what several of the larger insurance companies were offering. She also worked directly with our mortgage lawyer to ensure all documentation was in place before the weekend ahead of our Monday closing.
Not only did she find additional discounts, but the policy actually came in less expensive than the big-name insurers while offering stronger, more customized protection.
I highly recommend Alex Shortridge if you’re looking for a knowledgeable, responsive, and efficient insurance broker for condo or home insurance, especially when you’re working under tight timelines.
I had finally found the right vehicle but not the right rate, Amy helped me secure that. She was professional, responsive, and helped me secure a really good rate. She made the whole process simple and assured that she would do her best to help out. Excellent service. I’d definitely recommend Duliban and Amy to anyone looking for a reliable insurance broker to get the best rate and insurance for your needs. Thanks again!
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Robert
Highly recommend June and Duliban Insurance.
John & Carol C.
Moreover, June should be an insurance-for-dummies instructor. I learned more in three days from her clear, cogent explanations than I had ever understood in my 36 years of being insured.
She shared her expert knowledge of a baffling industry to help me navigate within it not just now, but in the future as well. For example, she is the first to ever explain that if I have an at-fault collision with an insurer who offered first-incident forgiveness, but then I leave that insurer for another (within x number of years), the forgiveness doesn't carry over to the new insurer - and boy howdy, the new insurer does NOT care how minor the collision or how many decades of perfect record preceded that one at-fault. This and other invaluable information she taught me will help steer my insurance decisions forever more. Thank you June!
KEN
Amy Brown great service
highly recommended!
Happy client!
Great experience. A++
They gave me best quote and the customer service is ultra high level.
The most impressive is Amy Brown not only she is truly professional but also a very good person.
Thx you so much for the effort team.
Call her and she will get you the best deal.
Jim Pietz
With this in mind, I apologize Alex Shortridge for the wait
she was genuinely one of the most patient people I have ever had the pleasure of working with, I had many confusing questions that she answered and reworded her answers to help me better
And throughout the process of me trying to find a car, she made the process of getting quotes super simple and easy
All around the experience I had with this human being was excellent
Frankly, that word doesn’t carry enough power to explain how happy I am with her work
As you can tell, I am happy with the service
Thank you for making this process less confusing for me Alex!!
Thanks Jhonny!
I’ve dealt with many brokers in the past, but Alex stands out by far. She’s knowledgeable, incredibly friendly, and made the entire process feel easy and stress-free. If you're looking for someone who’s honest, efficient, and truly cares—Alex is the one to call. Highly recommend!
Thank you.
They have been growing a lot and it is well deserved, will continue to work with them into the foreseeable future
Thanks to your efforts, I now have coverage that not only fits my needs but is also affordable. I genuinely appreciate your dedication and support—you're truly a pleasure to work with!
Really great experience all the way from contact to signing. Would highly recommend.
-Mackenzie
Frequently asked questions
Your questions, asked and answered by our team.
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.
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.
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.
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.
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.

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