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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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.
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.
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