Coverage tailored to your ride
Key protections available for your ATV
ATV insurance can combine required and optional protection, depending on your province or territory, where you ride and how your ATV is used. An advisor can help you understand the rules in your area and tailor coverage to your vehicle and riding needs.
Third-party liability
Covers eligible bodily injury, property damage and legal costs if you are responsible for an accident.
Accident benefits
May offer eligible medical, rehabilitation, income replacement, funeral or death benefits following an accident, regardless of fault, where this coverage is available.
Uninsured or unidentified automobile coverage
Provides protection if you are injured or your ATV is damaged by an uninsured, underinsured or unidentified driver, subject to the coverage available in your jurisdiction.
Direct compensation for property damage
May pay for damage to your ATV and its contents when another insured driver is at fault, where this coverage is available.
Collision or upset coverage
Supports costs to repair or replace your ATV after a covered collision with another vehicle or object, or if it overturns.
Comprehensive coverage
Helps protect your ATV against covered non-collision losses such as theft, fire, vandalism, hail or falling objects.
Specified perils coverage
Covers your ATV against specific risks named in the policy, which may include fire, theft, hail or flooding.
All perils coverage
Combines collision and comprehensive protection and may include broader theft coverage, subject to policy terms.
Accessories, equipment and trailer coverage
Optional protection may be available for permanently attached accessories, riding equipment or a trailer used to transport your ATV.
Valuable protection for your vehicle
Why is ATV insurance important?
ATV insurance helps protect you, your vehicle and your finances from the risks of off-road riding. Insurance requirements vary across Canada based on your province or territory, where you ride and how your ATV is used. Even when coverage is not legally required, a dedicated policy can help pay for covered accidents, injuries, property damage, theft and damage to your ATV. Key reasons to purchase ATV insurance include:
Meet local insurance requirements
Liability insurance may be required when you operate an ATV on public land, designated trails or roads, depending on the jurisdiction.
Protect against liability claims
Third-party liability coverage can help with eligible legal costs, bodily injury and property damage if you are responsible for an accident.
Cover accidental damage
Collision or upset coverage can help pay to repair or replace your ATV after a covered crash or rollover.
Guard against theft and other losses
Comprehensive coverage can help protect your ATV from covered risks such as theft, fire, vandalism, hail or falling objects.
Protect your investment
ATVs, upgrades and accessories can be costly. The right coverage can reduce the financial impact of a covered loss.
The Navacord advantage
Local support with access to more options
Get personalized advice from a local advisor, supported by Navacord’s national expertise, broad market access and strong insurer relationships. We’ll help you understand your options and find ATV coverage tailored to your vehicle, how you ride and the protection you need.
Learn from our ATV insurance experts
