atv insurance

Why You Need Insurance for a Dirt Bike or ATV

The short answer is yes; you need insurance for both dirt bikes and ATVs. While some areas don’t require insurance for off-road vehicles, having coverage is still a good idea. Accidents can happen anywhere, and the last thing you want is to be stuck with expensive medical bills or repair costs.

There are several types of insurance coverage available for dirt bikes and ATVs. Some of the most common include liability, collision, and comprehensive coverage. Each type of coverage protects you differently, and it’s essential to understand what’s included in each.


What Is Covered by Dirt Bike and ATV Insurance?


Liability coverage is the most crucial type of insurance for dirt bikes and ATVs. This coverage protects you if you’re responsible for causing an accident that results in injury or property damage. Without liability coverage, you could be on the hook for thousands of dollars in medical bills, legal fees, and other expenses. 

Make sure you choose liability coverage limits high enough to protect your assets. If you cause an accident that results in a lawsuit, your insurance company will only pay up to the limit of your coverage. Anything beyond that will be your responsibility.


Collision coverage pays for repairs or replacement if your dirt bike or ATV is damaged in a collision with another vehicle or object. This type of coverage is essential if you have an expensive ride that would be costly to repair or replace. Coverage includes permanently attached equipment such as windshields, mirrors, or carrying racks.


Comprehensive coverage is similar to collision coverage but also covers damage caused by theft, vandalism, wind, hail, fire or the stranding, sinking, burning, derailment or collision of any conveyance in or upon which the ATV or dirt bike is transported on land or water. Comprehensive coverage is a good idea if you store your dirt bike or ATV in an area prone to theft or weather damage.

Replacement Coverage

Through Got Toys, our brokerage offers Replacement Cost coverage for newly purchased units as long as it’s done within 120 days of delivery. This coverage remains valid for 24 months from the delivery date, provided that a copy of the bill of sale is submitted and the unit is insured for its total value, including permanent attachments, modifications, and taxes. It’s essential to note that Replacement Cost coverage is only accessible with physical damage coverage.


Factors That Affect Your Dirt Bike or ATV Insurance Rates

Several factors can affect your dirt bike or ATV insurance rates. Some of the most common include:

  • Your age and driving record
  • The type and value of your dirt bike or ATV
  • The level of coverage you choose
  • The level of deductible you choose
  • Any member discounts offered by Got Toys:
  • SATV – Saskatchewan ATV Assoc. members 12.5% discount on ATVs
  • SMA – Saskatchewan Motorcross Assoc. members 5% discount on Trail Bikes


To get the best rates on dirt bikes and ATV insurance, consider buying a stand-alone policy or inquiring about adding the unit to your existing property insurance, such as a tenant, condo, or home policy. Sometimes, adding a dirt bike or ATV to your property insurance is the cheapest option; however, it’s wise to consult your broker on some of the pitfalls of this method. 

For example, having a claim on the unit might affect your claims rating on your entire property insurance policy. Or perhaps there are coverage differences between insurers. Consider coverage limits, deductibles, and exclusions when choosing a policy.


Whether you’re a weekend warrior or a serious competitor, having the right insurance coverage for your dirt bike or ATV is essential. Don’t get stuck in the mud with expensive repair bills or legal fees. Invest in a quality insurance policy that protects you and your ride. With the right insurance coverage, you can hit the trails with confidence and peace of mind.

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