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Your ATV is part of your lifestyle. Get the ATV insurance you can count on.
  • My ATV and me®
    Take advantage of competitive premiums, free roadside assistance, coverage for trips outside Quebec, coverage for accessories and equipment, accident benefits and coverage for the rental of a temporary replacement ATV.1
  • Free ATV roadside assistance
    If you need help on the trails, we’re by your side. Take advantage of our free ATV roadside assistance to be ready for whatever life throws your way.2
  • 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.

  • Provides financial protection for the insured ATV if you are held civilly responsible for harm caused by your ATV to a third party.  

    Civil liability is also available with a FCMQ and FQCQ trail pass.  

    Learn more

  • You can protect your ATV based on the ATV insurance coverages options down below: 

    • Section B2: Section B2 protects your all-terrain vehicle from collision or rollover damage in the case you end up in an accident on the trail while driving your ATV or if you are caught in a situation where your ATV is overturned.
    • Section B3: Section B3 covers for damage that isn’t related to a collision or a rollover. It also includes the coverages from Section B4 and other acts such as malevolent activities, projectiles, and items falling on the ATV (e.g., tree).
    • Section B4: Section B4 offers protection for your ATV against the most prevalent hazards such as fire, theft, floods, and hail.

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 insurance representative or get a quote.3

My ATV and me®

Get the insurance you can count on with My ATV and me®: ATV roadside assistance, accessories coverage, accident benefits and more.

Complementary liability coverage

Additional liability coverage will protect you for up to $2,000,000.

Complementary replacement insurance

In the event of a total or partial loss, replace your vehicle or the damaged parts with new ones of the same value.


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Bundle and save!

Combine your home insurance, car insurance and ATV insurance with Synchro insurance and take advantage of the exclusive benefits. Get the best value for your money and save up to 15%4 on your home insurance policy.


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  • Fédération Québécoise des Cubs Quads members
    Are you a member of an ATV association recognized by Intact Insurance? If you are a member of the Fédération Québécoise des Cubs Quad (FQCC), you could be eligible for an exclusive offer and discounts! 
  • Bundle your home and ATV insurance
    Get the best value for your money by bundling your home, car and ATV insurance together with Synchro insurance.
  • FADOQ FreeSpace®
    Only for those at least 50 years young! FADOQ members: enjoy increased protections and discounts.
  • More ways to save
    You own multiple vehicles and insure them with Intact Insurance? You have a complete antitheft on your ATV? It could help you save! 4


It is highly recommended to get insurance for your off-road vehicle. When you’re out on the trails, it is important to have liability insurance to protect yourself from damage caused to a third party, accident benefits, and coverage for your vehicle in case of damage, loss, or theft.

If your ATV insurance policy includes comprehensive 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 insurance representative to learn more about the right coverage for your off-road vehicle.

To get a quote for your ATV, contact your insurance representative. 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. Didn’t find what you were looking for?

Yes, in Quebec, you must hold a civil liability insurance contract that covers bodily injury and property damage caused by the vehicle in order to put the ATV in operation.

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Talk to an insurance representative 

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