All-terrain vehicles and off-road machines for Ontario trails.
ATV Insurance
Ontario ATV and off-road vehicle coverage for quads, side-by-sides, and UTVs from RIBO broker Luca.
All-terrain vehicles and off-road machines for Ontario trails.
Key Facts
Coverage Overview
What ATV Insurance Covers
Collision Coverage
Covers damage to your ATV from a collision with another vehicle or object.
Comprehensive Coverage
Covers fire, theft, vandalism, and other non-collision damage.
Liability Coverage
Required in Ontario to operate an ATV on public trails — covers bodily injury and property damage to others.
Accident Benefits
Covers your medical expenses and income replacement if you are injured in an ATV accident.
Equipment and Accessories
Covers aftermarket accessories and modifications added to your ATV.
What ATV Insurance Covers and Who Needs It
ATV insurance protects the off-road machines that get Ontario cottage owners onto the trails — quads, side-by-sides, and UTVs. A policy typically includes collision coverage for damage from a crash, comprehensive coverage for fire, theft, and vandalism, liability coverage for injury or property damage you cause to others, accident benefits for your own medical expenses and income replacement, and coverage for aftermarket equipment and accessories. Home insurance may provide limited coverage for an ATV on your own property, but it does not provide the liability needed to ride public trails, so a dedicated ATV policy is the appropriate coverage for anyone riding beyond their own land. Side-by-sides and UTVs fall under the same type of off-road policy but are typically higher-value vehicles, and premiums reflect that.
Mandatory Coverage and What Drives the Premium
In Ontario, ATV insurance is required. Operators must carry liability insurance to ride on public lands, Crown land trails, and anywhere regulated under the Off-Road Vehicles Act, with a minimum of $200,000 in liability coverage, though higher limits are recommended. You can read the full rules on whether ATV insurance is mandatory in Ontario. Premiums reflect the vehicle's value and type, your riding record, and the coverage limits you choose; a properly structured policy should also cover riding on OFATV designated trails once you confirm the navigational territory. For a look at the numbers, see how much ATV insurance costs in Ontario.
Storage, Transport, and Getting a Quote
Damage to your ATV while it is being transported on a trailer is typically covered under the ATV's own comprehensive policy rather than the trailer policy, and securing the machine properly during transport is a standard policy condition. A snowmobile stored at the same cottage in winter and an ATV stored there in summer are each covered under their own policy, not under your cottage insurance, so keeping both machines properly insured matters. When you are ready to ride, request a quote and Luca, a RIBO-registered broker, will set up the liability and physical damage coverage your machine and riding plans call for.
Coverage is subject to policy terms, conditions, and insurer availability. InsureMyCottage.ca is a licensed insurance brokerage regulated by RIBO (Registered Insurance Brokers of Ontario).
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Why Luca
Why Cottage Owners Choose Luca
Cottage insurance is more complex than home insurance. Water access, seasonal use, neighbouring fire hall distance — every detail affects your coverage and your premium.
Local Ontario Broker
Luca knows Muskoka, the Kawarthas, and Georgian Bay cottage country firsthand. Not a call centre.
RIBO Registered
Licensed and regulated by the Registered Insurance Brokers of Ontario. Your coverage is handled by a credentialed professional, not a lead aggregator.
Multiple Insurers
As an independent broker, Luca shops multiple Ontario insurers to find coverage that fits your property — not just the first available policy.
Direct Access to Luca
Call or email and reach Luca — not a queue. Cottage insurance has real nuances (island access, wood stoves, rental weeks) and deserves a real conversation.
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Read more →FAQ
ATV Insurance - FAQ
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