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 your insurance? Click on one of the below topics!

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.


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.

Personal Injury

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 is not something to be ignored. Ask an advisor about adding Accident Benefits to your insurance policy to provide coverage to help cover such risks.

In Storage Coverage

When your ATV is parked, even in your garage, there is no insurance if you do not an insurance policy on it. Theft, vandalism, and other risks still exist, and your home insurance isn’t going to extend to protect your personal ATV.

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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