ATV insurance

Yes – in Canada, ATV insurance is required by law if you ride on public property, public roads, or designated trails. If you only use your all-terrain vehicles on private land, a policy isn’t legally mandatory, but it’s still strongly recommended. Some provinces have additional exemptions. A collision, theft, or liability claim on private property could lead to significant out-of-pocket costs. The right coverage keeps you protected wherever the trail takes you.

ATV insurance typically covers liability, accident benefits, uninsured motorist protection, and, with the right add-ons, damage to your vehicle from collisions, fire, and theft. You can also add optional coverage for accessories and trailers. Coverage availability may vary by province, and some exclusions and limitations may apply. Your protection depends on the coverage you choose. Speak to a licensed insurance advisor at 1-877-749-7224 to explore your options.

ATV insurance is not legally required if you ride exclusively on private property in Canada. That said, coverage is strongly recommended: one accident or theft on your own land could mean expensive repairs or legal costs you’d have to cover yourself. Many riders also add coverage, so their all-terrain vehicle is protected in storage. Speak to a licensed insurance advisor at 1-877-749-7224 or get a quote online and learn what affordable protection looks like for your situation.

Yes, ATV insurance can cover theft if you choose coverage that includes comprehensive or specified perils coverage. Basic liability-only policies typically don’t include theft protection. If your ATV is stored in a garage or trailer between rides, comprehensive coverage helps protect it year-round. Talk to a licensed insurance advisor to make sure your plan covers theft.

Home insurance generally doesn’t cover an ATV for accidents, liability, or damage while you’re riding it. Some policies offer limited protection for an ATV stored on your property, such as fire or theft coverage, but this varies by insurer. A dedicated ATV insurance policy provides comprehensive protection on and off your property. Review your home policy and ask a licensed insurance advisor if your home insurance extends to cover your ATV.

All-terrain vehicle insurance typically ranges from a few hundred to over a thousand dollars annually, depending on factors like your ATV’s make and model, engine size, riding history, coverage choices, and location. Rates vary; speak to a licensed RBC Insurance advisor and get a personalized quote to find out exactly what you’d pay.

Several factors influence what you pay for ATV insurance: the make, model, and engine size of your ATV, your riding history and claims record, how and where you use it (on public trails or private land), the coverage options you select, and your location. Higher horsepower models and newer vehicles generally cost more to insure. A personalized quote with an RBC Insurance advisor is the best way to see how these factors apply to your situation.

Yes, RBC Insurance covers side-by-side ATVs and sport utility vehicles (often called UTVs), not just standard quad-style ATVs. Whether you ride a traditional ATV or a side-by-side built for trail adventures, you can get a plan designed to protect your vehicle. Speak to a licensed insurance advisor to explore your coverage options and find a plan built around how you ride.

Beyond standard liability and accident benefit coverage, you can add optional protection for your ATV’s loss or damage, protecting against collisions, fire, theft, and more. Optional coverage may also include protection for accessories, equipment, as well as trailer coverage. Your plan can be built around how you ride and what you need most. A licensed insurance advisor can help you find the right combination.

ATV insurance works similarly to car insurance: both include mandatory coverages like liability and accident benefits, plus optional add-ons for collision and comprehensive protection. ATV policies are typically built around the specific risks of off-road riding, so they include endorsements and optional coverage that reflect that unique use. Costs also differ based on engine size, usage, and vehicle value rather than commute patterns.

Yes, many off-road vehicles (ORVs), including quads and all-terrain vehicles, can be covered under an All-terrain vehicle insurance policy. RBC Insurance also covers other recreational vehicles like snowmobiles, motorcycles, and boats, so you can protect multiple vehicles with one trusted provider. If you’re unsure whether your vehicle qualifies, a licensed RBC Insurance advisor can help you find the right plan.

Yes, you may qualify for a multi-product discount when you purchase ATV insurance and already have a home or car insurance policy through RBC Insurance. Bundling your coverage is a practical way to manage your insurance and potentially lower what you pay. Speak with a licensed RBC Insurance advisor at 1-877-749-7224 to explore your savings options.

Yes, RBC Insurance offers both ATV insurance and trailer insurance, so you can protect your entire recreational setup with one provider. You can also add optional trailer coverage directly to your ATV policy. Whether you’re towing a utility trailer or a recreational one, the right protection means you’re covered from the moment you hitch up. Call 1-877-749-7224 to explore your options.

Yes, RBC Insurance offers coverage for motorcycles, ATVs, and snowmobiles, plus boats and other recreational vehicles, all with one provider. Insuring your recreational vehicles in one place makes managing policies simpler, and you may qualify for savings when you bundle with home or auto insurance. Speak with a licensed insurance advisor at 1-877-749-7224 to build your plan.