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ATV insurance

Protect your all-terrain vehicle (ATV) with the right insurance to enjoy the trails to the fullest.

Your ATV is part of your lifestyle. Get the ATV insurance you can count on.
  • Competitive rates
    We provide coverage for many types of ATVs: whether you're riding an all-terrain vehicle ("ATV"), a side-by-side or a utility terrain vehicle ("UTV"), enjoy an affordable premium and a solid insurance protection for your vehicle.1
  • Tailored ATV protections and savings 
    Get additional protections for your ATV to customize your coverage. Would you like to get insurance for a helmet, gloves, or other ATV accessories? There’s an add-on for it!  Do you already have a car insured with us? You could be eligible for a discount!
  • A claims team you can count on 
    Nobody wants to be in an accident or wishes to file a claim for damage to their ATV. In the event this happens to you, you can count on Canada’s biggest claims team to assist you with the claim process in order to get back out and enjoy the outdoors as soon as possible.


Have the right ATV insurance when you're hitting the trails for a long weekend of fun with your ATV! Get peace of mind knowing that you have the necessary ATV insurance if something happens. Get the right insurance for your ATV, regardless of the terrain.

  • Third Party Liability Coverage protects you against claims for damage to property or injury caused in an ATV crash, including court defense, examination expenses, and legitimate charges awarded against you by the courts.

    • May covers medical payments for assessment, treatment and rehabilitation that are not covered by the provincial health plan after injury caused in an accident. 
    • May also includes coverage for funeral benefits, grief counseling, total disability income benefit and death benefits. 
  • Optional

    Various levels of physical damage coverage for your vehicle are available, depending on how much protection and coverage you want for your ATV: 

    • Specified Perils Coverage: Covers your vehicle against a limited number of predetermined risks, like theft, some natural disasters, hail, riots or civil disturbances.  
    • Collision or Upset Coverage: If damages are caused to your ATV because you've crashed into something (like a light post, guardrail, or another vehicle), Collision or Upset coverage could cover the cost of those repairs. You may just have to pay the deductible.
    • Comprehensive Coverage: Covers the expenses to fix the damage to your vehicle from unpredictable circumstances such as fire, theft, vandalism, or some natural disasters.
    • All Perils protection: A combination of Comprehensive coverage and Collision or Upset Coverage.

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker or get a quote.2

Accessories and upgrade coverage

Protect your accessories and upgrades to your motorcycle up to $15,000, including but not limited to helmets, goggles, gloves, vests, gear bags, chrome, paint or other customized modifications.


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Bundle and save!

Combine your home, car and ATV insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles.3


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  • Bundle your home, car and ATV insurance
    Get the best value for your money by bundling your home, car and ATV insurance together!
  • More ways to save
    You own multiple vehicles and insure them with Intact Insurance? Let your broker know, it could help you save!


In Canada, driving on public property or using public roads requires off-road vehicle insurance. If you ride strictly on private property, however, an ATV insurance policy is not required. If you own an ATV, it is strongly advised to have an insurance policy for your recreational vehicle to be protected in case of damage to yourself, your vehicle, or to others.

If your ATV insurance policy includes comprehensive or specified perils coverage, your ATV will be covered in case of theft.

With ATV insurance, you’ll be able to enjoy your all-terrain vehicles with peace of mind, knowing that you have the right coverage should anything happen on the trails. With the right protection for your vehicle, you can leave your worries behind and enjoy the trails.

We insure ATVs, UTVs and side-by-side vehicles. Be sure to reach out to your broker to learn more about the right coverage for your off-road vehicle.

To get a quote for your ATV, contact your insurance broker. If you’re already an Intact Insurance customer, you could be even eligible for discounts on your insurance premium if you have a private passenger vehicle or home policy with us.

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Talk to a broker

It can be a challenge to find the right type of ATV insurance you need on your own. Be sure to reach out to one of the brokers we work with across Canada that specialize in finding the right ATV insurance for your ATV. Call a broker today.

Get an ATV insurance quote

Have the right protection on the trails. Get the best ATV insurance policy for your needs, starting with getting an ATV insurance quote. Getting an ATV insurance quote is the first step to protecting your ATV.