All-terrain vehicle
No matter if your off-road vehicle has two, four, or six wheels, it needs to be well protected. Our ATV insurance covers both damage and civil liability, and it can be customized to fit your specific needs. To keep enjoying your all-terrain vehicle, choose an insurance policy that will stand up to the challenges of the road.
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Talk to a broker 1-888-625-6846
Why get all-terrain vehicle insurance?
An accident on the trail or road can be expensive. In Quebec, liability insurance is mandatory for all off-road vehicles. Not only does this help you comply with the law, but ATV insurance also covers damage to your vehicle and protects you in case you cause damage to others.
Standard coverage
Depending on the type of ATV you own and how you use it, standard coverage may be ideal for you.
Civil liability
This option provides coverage for property damage or bodily injury to third parties in the event of an accident involving your ATV.
Theft, fire, and vandalism
You can feel confident knowing that you are protected against risks such as theft, fire, or vandalism.
Collision and rollover
Coverage that protects your ATV, its equipment, and accessories in case of a collision or rollover.
Additional coverage
Depending on your circumstances and risk tolerance, you can enhance your insurance coverage. Additional options are available to help you expand your coverage and create a tailored safety net.
Replacement value
This additional coverage is perfect for those with a new ATV. It enables you to replace it with a vehicle from the current model year.
Personal belongings
Helmets, coats, gloves... your personal belongings are protected! Replacement is covered at full value with no deductible.
Depreciation-free value
Choose a warranty with no depreciation value for 2, 3, or 4 years to safeguard your investment.
Equipment and accessories
Protect your ATV equipment and accessories such as your trailer, tools, helmet, and more.
FAQ
Answers to your questions!
Can securing my all-terrain vehicle reduce the cost of my ATV insurance?
Yes, using an anti-theft system or parking your vehicle in a secure location can lower your premiums.
Is ATV insurance mandatory in Quebec?
Yes, all motorized vehicles registered with the SAAQ must carry civil liability insurance, including ATVs. We recommend a minimum coverage of $2,000,000 to cover bodily injury and property damage that may be caused to others.
Is my ATV insured if I lend it to a friend and they have an accident?
Yes, as long as the driver is at least 16 years old and has a valid license. However, you need to report any regular drivers who reside in your household.
Is it mandatory to register my ATV?
Yes, registration is mandatory with the SAAQ, even for trail riders, and it includes a portion of insurance.
What factors affect the price of off-road vehicle insurance?
The driver’s age, profile, driving history, previous claims, and the type and value of the ATV (quad, side-by-side, etc.) along with the selected coverage are factors that can influence the price.
Interested?
Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
We work with the best suppliers
Intact
Promutuel
L’Unique
Orbite
