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ATV Insurance in Ontario
Commonly asked questions about ATV insurance in Ontario:
Do You Need ATV Insurance in Ontario?
Yes. Under the Compulsory Automobile Insurance Act of Ontario, all ATV owners must carry insurance to operate their vehicle legally. At minimum, this means having third-party liability coverage, which protects you if someone else is injured or their property is damaged as a result of your ATV use. Failing to carry insurance can lead to fines, license suspension, and serious financial consequences if you’re involved in an accident.
How Much Does ATV Insurance Cost in Ontario?
The cost of ATV insurance in Ontario varies depending on factors such as: the make, model, and engine size of your ATV, your age and driving history, and the level of coverage you choose. On average, basic coverage falls between $200 and $500 per year. Premiums can increase if you have past accidents, traffic violations, or if you choose comprehensive coverage that protects against theft, vandalism, and non-collision damage.
What does ATV insurance typically cover?
Like auto insurance, ATV insurance includes several types of protection:
Third-Party Liability Coverage: Required by law, covers injury or property damage you cause.
Collision Coverage:Pays for repairs if your ATV collides with another vehicle or object.
Comprehensive Coverage: Protects against theft, fire, vandalism, and other non-collision risks.
Accident Benefits/Bodily Injury Coverage: Provides medical and rehabilitation coverage if you’re injured while riding.
The exact coverage depends on your policy and insurer, which is why it’s important to review your options with a licensed broker.
Does Driving Record Affect ATV Insurance?
Absolutely. Just like car insurance, your driving record impacts your ATV insurance premiums. Speeding tickets, at-fault accidents, or other infractions can raise your rates. On the other hand, a clean record often earns you lower premiums and discounts.
How Can You Save on ATV Insurance in Ontario?
There are several ways to reduce your ATV insurance costs:
Bundling Policies: Combine your ATV insurance with auto or home coverage for multi-policy discounts.
Maintain A Clean Record: Safe driving is the easiest way to keep premiums low.
Taking a Safety Course: Completing an ATV safety program may qualify you for discounts.
Use Anti-Theft Devices: Installing GPS trackers or immobilizers can lower your risk profile.
Do You Need Insurance if You Ride Only on Private Property?
Even if you use your ATV exclusively on private property, carrying insurance is strongly recommended. Accidents, injuries, and theft can still happen off public trails, and without insurance, you could be responsible for costly damages out of pocket. Insurance provides peace of mind and financial protection no matter where you ride.
What Happens if You Ride Without ATV Insurance?
Operating an ATV without insurance in Ontario is illegal. If you’re caught, you could face hefty fines, suspension of your driver’s license, and personal liability for any injuries or damages caused in an accident. The financial risks far outweigh the cost of proper coverage.
Comprehensive coverage at competitive rates
Have you recently purchased an ATV in Ontario, or are you looking to lower your insurance costs? The right coverage ensures you can enjoy Ontario’s incredible ATV trails without worry.
At InsureMyCottage.ca, our licensed brokers specialize in ATV insurance in Ontario, helping riders find comprehensive coverage at competitive rates. Contact us today for a free quote and ride with confidence, knowing you’re fully protected.
