ATV Insurance

ATV Insurance in Ontario

Some of Canada’s best ATV trails are located in Ontario. Scenic trails are located from Southwestern Ontario to North Bay!  Ontario ATV riders have the option to ride through dense forests, over the Ontario’s Canadian shield, and along unspoiled lakes. Where else in the world can you find thousands of kilometers of picturesque trails? 

Before you jump on your 4-wheeler and hit the trails, take a minute to review your insurance coverage to ensure that you have a comprehensive ATV insurance in Ontario that keeps you protected.

Commonly asked questions about ATV insurance in Ontario:

Do I need insurance to operate an ATV in Ontario, Canada?

Yes, it is mandatory to have insurance for your ATV in Ontario, Canada. The Compulsory Automobile Insurance Act of Ontario requires all motorists,(Yes, including ATV drivers!) to have at least a minimum amount of insurance. This includes third-party liability coverage, which covers costs if someone else is injured or their property is damaged due to your use of your ATV.

How much does ATV insurance typically cost in Ontario?

The cost of ATV insurance can vary widely depending on various factors such as the make and model of the ATV, the driver's age and driving record, and the level of coverage selected. On average, you can expect to pay anywhere from $200 to $500 annually for basic coverage. However, if you opt for additional coverage or if you have a poor driving record, the cost can go up.

What does ATV insurance typically cover?

imilar to car insurance, ATV insurance often includes several types of coverage:

Third-Party Liability Coverage: This is the mandatory minimum insurance required by law in Ontario. It covers costs if you're at fault in an accident and someone else is injured or their property is damaged.

Collision Coverage: This covers repairs to your ATV if it's damaged in a collision with another vehicle or object.

Comprehensive Coverage: This covers damage to your ATV from events other than collision, such as theft, fire, or vandalism.

Accident Benefits/Bodily Injury Coverage: This covers medical costs if you're injured in an ATV accident.

Remember that your policy's coverage will depend on the specifics of your insurance plan and company.

Does my driving record impact my ATV insurance premiums?

Absolutely! Have you been in an at fault car accident or have you received a speeding ticket recently? Your driving record is a factor that will impact your ATV insurance premiums.

Is there a way to reduce the cost of my ATV insurance?

Yes, there are several ways you can potentially reduce the cost of your ATV insurance:

Bundling Policies: If you have other insurance policies (like home or auto insurance) with the same company, you may receive a discount for bundling your policies.

Safe Driving Discount: The easiest way to reduce your cost is to keep a clean record! If you have a clean driving record, many insurance companies will offer you a discount on your premium.

Taking a Safety Course: Some insurers may offer discounts if you complete an ATV safety course.

Installing Anti-Theft Devices: Devices like GPS trackers or immobilizers can make your ATV less likely to be stolen, which can result in lower premiums.

If I ride my ATV only on private property, am I required to insure my ATV?

Whether you operate your ATV on private property or public roads, you’re at risk. Insuring your ATV will provide peace of mind in the event that you are the cause of an accident, injury to another person or damage their property. You may also include coverage for the cost of repairs or replacement if your ATV is damaged or stolen from your property.

What happens if I don’t have ATV insurance and I get into an accident?

If you're involved in an accident and you don't have ATV insurance, you're in violation of Ontario's insurance laws, which can result in fines and penalties, including the suspension of your driver's license. Additionally, if you're at fault in the accident, you could be held personally liable for medical expenses or property damage incurred by other parties, which can be financially devastating.

Comprehensive coverage at competitive rates

Have you recently purchased an ATV in Ontario? Or, do you want to check whether you can get a better rate on your policy? 

Contact one of our licensed insurance brokers and let us advise you on a comprehensive ATV insurance in Ontario to ensure that you are protected! Our goal is for you to enjoy your ATV on Ontario’s beautiful trails with complete piece of mind. 

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