Get all-terrain vehicle insurance to safeguard your ride
Before you hit the trails on your ATV, make sure you have insurance and a valid driver’s licence. We’ll make the insurance process easy and shop around for you. Best of all, our help and advice are free.
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.
Our advisors take the time to understand your needs, explain your coverage clearly and answer your questions. Connect with us by phone, email, online or in person at a location near you.
We work in your best interests, providing responsive, straightforward guidance and support that fits how you prefer to do business.
Navacord’s scale and relationships with leading insurers give our advisors access to a broad range of markets and specialised solutions, helping you secure coverage that meets your needs.
Learn from our ATV insurance experts
"Recreational vehicles can often be insured on the same policy as a personal private passenger vehicle. Some insurers may also offer a bundling discount." – Jim McKay | Client Advisor, Personal Insurance
"It is important to know your vehicle specifications. A VIN does not always provide all the information required for a quote or policy issuance. Details such as engine size (CCs) and gross vehicle weight (GVW) may be required." – Kendra Ekberg | Client Advisor, Personal Insurance
"Some insurers apply mandatory endorsements to ATV policies, including SEF 40 (Fire and Theft Deductible), SEF 32 (Recreational Vehicle Endorsement), SEF 9 (Marine Use Exclusion), and SEF 19 (Limitation of Amount). These endorsements can impact coverage, permitted usage, claim eligibility, and settlement." – Stephanie Anthonipillai | Client Advisor, Personal Insurance
FAQs for ATV insurance
ATV insurance may include third-party liability and accident benefits, along with optional collision and comprehensive coverage. Depending on your policy, it can help cover injuries or property damage you cause, damage to your ATV from a collision and losses such as theft, fire or vandalism.
ATV insurance requirements vary by province or territory and by where you ride. Coverage is generally required when an ATV is operated on public roads or land, while different rules may apply on private property.
It can. Third-party liability may help with eligible injury or property damage claims when you are responsible, while accident benefits may provide eligible medical, rehabilitation or income replacement benefits. Collision coverage may help pay to repair or replace your ATV after a covered accident.
Home insurance may provide limited protection in certain situations, but it typically does not replace a dedicated ATV policy - especially when the vehicle is used away from your property. Review your home policy and speak with an advisor about separate liability and physical damage coverage.
Be prepared to share the ATV’s year, make, model, value and vehicle identification number, along with details about how and where it is used, where it is stored, who will operate it and any modifications or accessories. You will also choose coverage limits and a deductible.
Depending on the insurer, factors that may affect your ATV insurance premium include:
- Your driving record
- Your insurance history
- Your age, gender and marital status
- The type of ATV you own
- The make, model, age and value of your ATV
- How you primarily use your ATV
- Where you operate your ATV
- How often you use your ATV
- Whether you participate in racing or other sports
- Your postal code
- How your ATV is stored
- Your selected coverage, limits and deductible
An advisor can compare options and help you find coverage suited to your needs and budget.
