ATV Insurance

atv rider on dirt road


Protect your off-road vehicle with our all-terrain vehicle ATV Insurance.

Don’t let unexpected damages or accidents ruin your off-road adventures. Our ATV insurance provides the coverage you need, so you can focus on having fun.

Click on one of the below topics to unpack your ATV insurance:

Liability Coverage

ATVs don’t require registration but need a minimum of $200,000 liability coverage before you can ride them in public areas. When riding an ATV in public places, you must show proof of insurance if asked. The owner and the ATV operator are liable for any loss, damage or injury incurred when operating the vehicle. Liability insurance can help if you are found at fault in an accident and protect you financially from the pain of a nasty lawsuit.

Replacement Coverage

Did you purchase your unit brand new? Ask our team about which insurers offer replacement coverage for new ATVs. Got Toys, for example, offers this coverage on brand-new units (as long as it is purchased within 120 days from the delivery date of the unit). A copy of the bill of sale must be provided, and the unit must be insured for 100% of the value, including permanent attachments, modifications, and Saskatchewan taxes.

Coverage Options

You face significant risk when you put it away for storage in the winter. We can help mitigate your loss due to theft by having your ATV insured on a policy.Add comprehensive coverage for risks such as:

  • Fire
  • Hail
  • Theft and vandalism

Storage Coverage

When your ATV is parked, theft, vandalism, and other risks still exist, and your home insurance isn’t extended to protect your bike unless you have it specially scheduled.

If you plan on storing your off-road vehicle for any length, it’s essential to have a policy to protect yourself and your bike.

Personal Injury

If you’re injured on an ATV, you may wonder how you’ll be able to cover your injury costs. ATVs are high-risk vehicles. Sometimes, personal health insurance may not provide adequate coverage for medical expenses, disability, loss of income or death that results from operating an ATV. The risk of severely injuring yourself while using it should not be ignored.

Disability Insurance

Disability coverage replaces some of your income if you can’t work because of an injury or illness. This monetary benefit will continue until the benefit period ends or you return to work. It can help you and your family pay for necessary expenses like your mortgage, car payments, utilities, groceries, etc.

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Protect your ATV investment with comprehensive insurance.

Ensure that you have appropriate insurance for your ATV when embarking on an exhilarating weekend of adventure. Depending on the level of protection and coverage desired, various options are available for coverage. Collision or Upset Coverage will cover any damages incurred by your ATV due to collisions with objects such as light posts, guardrails, or other vehicles.

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atv insurance

Protect your snowmobile and get back to the trails faster.

You live for the thrill of the ride, but accidents can happen anywhere. Protect your investment with ATV insurance that is as invested in your adventures as you are. And while you’re at it, let us help you get coverage for all your favourite winter rides like snowmobiles and ski-doos. Ride with peace of mind knowing you’re covered.

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snowmobile insurance

Dirt bikes are a unique risk that requires unique coverage.

Our comprehensive insurance policies cover everything from accidents and theft to damage caused by weather disasters, ensuring you can ride with peace of mind. Don’t let unexpected incidents damage your off-roading experience – invest in dirt bike insurance today.

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dirt bike insurance

Don’t let accidents or theft ruin your fun. Trust us to be as invested in your insurance as you are in your ATV.

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