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ATV insurance for peace of mind

Published on October 7, 2022


Like adventures and the great outdoors? So do we! And ATVs are perfect for that. But before you hit the road, better insure your vehicle. Here are some answers to the most frequently asked questions about ATV insurance.

Is ATV insurance mandatory?

It is! By law, you must register and insure your ATV. In Quebec, your licence plate must be registered before you can drive on trails.

You must also take out civil liability insurance for at least $1,000,000. This would cover you if you cause bodily harm or property damage to a third party.

Does the SAAQ cover bodily injury in the event of an accident?

No. Even if your vehicle is registered, you will not be compensated in the event of bodily injury. That’s why it’s essential to take out private insurance. It will provide coverage in the event of injury or death.

Do I get a discount on my insurance premiums if I insure several vehicles?

Yes. Most insurers offer a discount if you bundle your insurance. For example, you can bundle your ATV insurance with your home or auto insurance. You’ll then get benefits on your insurance contract and reduce your premium rates.

Driving an ATV comes with certain risks. An adequate insurance contract will help you avoid all kinds of headaches in the event of an accident.

Your insurance broker is there to help you prevent losses. Contact him or her!