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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!

Coverages

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

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Duliban Insurance Brokers4.8

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Hope Conners

4 days ago

Damian was incredibly helpful while switching insurance over. He provided me with all the proper information and answered any questions I had.

Charly Brown

4 days ago

I had a "complicated" experience with two girls; it's not pleasant to talk about it, but fortunately, while looking for someone else, I met Senanya Jayatilake, a wonderful woman who supported me in everything, and thanks to her, I decided to renew my car insurance.

Andrew Nafekh

4 days ago

We had a great experience with Amy Brown. She is very professional and works efficiently to get the best price. Very responsive and helps to explain in a way that we can relate. Thanks Amy!!

Nik

5 days ago

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7 days ago

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1 week ago

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Nicholas Maguire

1 week ago

Amy got me a great rate! Easy to deal with and very helpful

Jamal

2 weeks ago

Cannot recommend Damian Poznanovic enough. I was having a tough time finding a decent rate and everywhere I called was either overpriced or a hassle to deal with. Damian actually took the time to shop it around and got me a rate over a hundred bucks a month cheaper than the next best quote I got. He was quick, honest with me the whole way, and made the whole thing way easier than I expected. If you want someone who will actually work to get you a fair price, go to Damian. Appreciate you man.

Pam Swick Janjac

2 weeks ago

This was a pleasant transition inquiring about and subsequently switching my insurance. Mallory was extremely efficient and professional and at the same time, very personal and a pleasure to deal with. I am excited to become a new customer with Duliban Insurance!! Many Thanks to Kayla and Mallory! God Bless you both!

Lorree Vandermeulen

2 weeks ago

Damien was a pleasure to work with! He was able to find me 2 qoutes quickly and affordable. The process of finalizing was easy and his communication and patients were great around my work schedule. Highly recommend Damien being your insurance broker!

Hugh Ovenell

2 weeks ago

I had been with the same insurance company for several decades, coverage for the house, cottage and 2 vehicles. When I received my renewal this year the increase was dramatic. It had increased $575.00 annually. The monthly rate was $514.00. I began searching on line and soon I was contacted by June Sabo from Duliban brokerage. We made an appointment for the following day for a phone call. June was very professional and efficient while still being friendly and patient in getting the information she needed. Over the next few days she was in constant contact and returned phone calls and emails promptly. My wife and I are retired and appreciated her advice and support throughout the process. The end result was a savings of over $200.00 a month. We couldn’t be more pleased.

Christopher Roberts

2 weeks ago

My wife and I recently purchased our first home and Alex helped us get the best price for house insurance. She was very kind and helpful during the process. She kept us informed step by step. I am pleased with the service we were provided by her. Thanks Alex.

WANDA JANES

2 weeks ago

Mallory was extremely professional and very quick to respond to my insurance needs. Receptionist was also extremely helpful in taking care of the additional needs I had. Highly recommend Duliban Insurance at the Dunnville location.

Stefan Ninkovic

2 weeks ago

Mallory was just wonderful! She answered all of our questions, was patient with us, and helped us get our first home insurance. We would highly recommend working with Duliban Insurance 🙂

Dave Armstrong

2 weeks ago

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Zeina Dhaybi

2 weeks ago

I am glad to work with Duliban Insurance Brokers. My agent Joseph was patient, helpful and knowledgeable. He answered my questions and guided me in my decision making.

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2 weeks ago

Damian Poznanovic was prompt and quick. Great advisor.

Rob Dallas

2 weeks ago

Damian poznanovic was AWESOME throughout the whole process went above and beyond for me im very happy with my service

Dave Wall

2 weeks ago

Damian Poznanovic was very professional

Cindy Mayer

3 weeks ago

My broker experience with Mallory from Duliban was absolutely fantastic! Mallory is highly professional and her expertise and patience was greatly appreciated. I would recommend anyone looking for a brokerage to look at Duliban. Thanks again!! Mallory!!

Kiranpreet Brar

3 weeks ago

Duliban Insurance comes through every time! We've had the opportunity to connect with Lisa Brant. She was kind, patient and very helpful throughout the process. She took the time to understand our situation and helped us find the right solution. We appreciated her guidance and would definitely recommend her. Thank you, Lisa!

Dale Vandevyvere

3 weeks ago

He was a good to deal with

Gordon Fang

3 weeks ago

Damian was extremely accommodating while helping me explore different motorcycle insurance options. He stayed patient as we worked through the details and answered all my questions. Highly recommend working with him!

tara willis

3 weeks ago

Oh my goodness!! Damian Poznanovic, you were a delight....and so helpful. Cheaper rate than Costco gave me too.... 🙂

Braedon Gauld

3 weeks ago

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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

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.