ATV / Off-Road Vehicle

Whether your wife agrees or not, your ATV is an investment! But an ATV is a unique risk that a homeowners insurance policy does not automatically cover. Want to know how to properly insure your investment so you can get back on the trails faster?


Yellow Atv doing jump over snow

Find what you need

Want to learn about ATV insurance? Connect with one of our experts today to start a quote or ask questions.

Looking for some quick info? Click on one of the below topics to unpack your off-road vehicle insurance!


Liability Coverage

ATVs don’t require registration, but they 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.


While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.

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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 delivery date of the unit). It expires 24 months after the date of delivery; a copy of the bill of sale must be provided and the unit insured for 100% of value, including permanent attachments, modifications, freight, PDI, tire tax, and both Saskatchewan taxes.

Theft or Damage

ATVs are tough, but nothing is tougher than dirt. Protect your investment against direct and accidental damage due to upset or collision. Add comprehensive coverage for risks such as fire, lightning, hail and vandalism. You face significant risk when you put that ATV away for storage in the winter. We can help mitigate your loss due to theft by having it insured on a policy.

In Storage Coverage

When your ATV is parked, even in your garage, no automatic insurance is extended from your home insurance policy. But theft, vandalism, and other risks still exist, and your home insurance isn’t going to extend to protect your bike unless you have it specially scheduled.

If you plan on storing your off-road vehicle for any length of time, it’s important to have a policy to protect yourself and your bike. A dirt bike storage policy can help you cover your costs if something happens to your ATV and protect you from any potential loss from theft.

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. Ask an advisor about adding Accident Benefits to your insurance policy to provide coverage to help cover such risks.

Disability Insurance

Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.


Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!


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