ATV Insurance

Yes. Ontario requires ATV operators to carry liability insurance to operate on public lands, Crown land trails, and anywhere regulated under the Off-Road Vehicles Act. Minimum liability coverage is $200,000, though higher limits are recommended.

Home insurance may provide limited coverage for ATVs while on your own property, but it does not provide the liability coverage required to operate on public trails or roads. A dedicated ATV policy is the appropriate coverage for Ontario trail riding.

Side-by-sides and UTVs are generally covered under the same type of off-road vehicle policy as ATVs, but they are typically higher-value vehicles and premiums reflect this. Some insurers have specific product lines for UTVs given their different risk profile.

A properly structured ATV policy with liability coverage should provide coverage on OFATV (Ontario Federation of All Terrain Vehicle Clubs) designated trails. Confirm the navigational territory with your insurer.

Damage to your ATV during transport on a trailer is typically covered under the ATV's comprehensive policy, not the trailer policy. Securing your ATV properly during transport is a standard policy condition.