{"id":15188,"date":"2024-10-30T11:56:06","date_gmt":"2024-10-30T11:56:06","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=15188"},"modified":"2026-10-27T16:52:57","modified_gmt":"2026-10-27T20:52:57","slug":"atv-insurance","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/atv-insurance\/","title":{"rendered":"ATV Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\"><img decoding=\"async\" class=\"calloutCard__heroBgImg\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/atv_insurance_hero-mobile.webp\" alt=\"image of a person watching the sunset while sitting on their ATV\"\/>\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-atv-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">ATV <\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Explore the great outdoors with specialized insurance on your all terrain vehicle (ATV).<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN\" data-dig-id=\"LP-15188-d09461db\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get an ATV insurance quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN \">Get an ATV insurance quote<\/a><\/div>\n\n\n\n<p class=\" call-link\">or  <a href=\"tel:+18777497224\" data-dig-id=\"LP-29722-3ce2020e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-877-749-7224\" class=\"rbc-link-format\">Call 1-877-749-7224<\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-15188-4d3894a1\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b-0\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-be-a-trailblazer-with-insurance-coverage-for-your-atv\">Be a trailblazer with insurance coverage for your ATV<\/h2>\n\n\n\n<p class=\"has-text-align-center p-large\">When you\u2019re out taking on the trails, make sure you take comprehensive protection with you. Find the best ATV insurance for your all-terrain vehicle to help protect it from collisions, fire, theft, and more. Our plans provide affordable protection for sport utility and side-by-side ATVs, so you can explore knowing you\u2019re covered.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-atv-insurance\">Benefits of ATV insurance<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\"><span class=\"partial__border-bottom\">How <\/span>ATV insurance protects you<sup><a href=\"#legal-1\" data-dig-id=\"LP-15188-2d7a5c16\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>:<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-your-vehicle\">Your vehicle<\/h4>\n<\/div>\n\n\n\n<p>Unless you can afford to replace or repair your ATV out-of-pocket, you\u2019ll need insurance to help protect it from collisions, fire, theft and more<sup><a href=\"#legal-2\" data-dig-id=\"LP-15188-95c6e911\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">2<\/a><\/sup>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-liability-claims\">Liability claims<\/h4>\n<\/div>\n\n\n\n<p>Helps to protect you financially if you injure someone or cause damage to another person\u2019s property or vehicle while riding your ATV.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-uninsured-motorists\">Uninsured motorists<\/h4>\n<\/div>\n\n\n\n<p>This coverage provides benefits to you or your family if you\u2019re injured or killed by an uninsured or unidentified driver.<\/p>\n<\/div>\n\n\n\n<p><br>It also helps pay for damages to your ATV if they\u2019re caused by an unidentified or uninsured motorist.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-accident-benefits\">Accident benefits<\/h4>\n<\/div>\n\n\n\n<p>If you\u2019re injured in an accident, this coverage helps to replace lost income or pay for medical and other expenses not covered by government health insurance.<br><br>It can also provide benefits to your spouse or partner and dependent children if you are killed in an accident.<br><br>(Coverage is optional in Quebec and Newfoundland)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group mar-b mob-mar-b is-layout-constrained wp-block-group-is-layout-constrained\">\n<h4 class=\"wp-block-heading mar-b-0 mob-mar-b-0\" id=\"h-atv-insurance-coverage-highlights-1\">ATV insurance coverage highlights<sup><a href=\"#legal-1\" data-dig-id=\"LP-15188-2d7a5c16\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup><\/h4>\n\n\n\n<div class=\"wp-block-group is-style-inline-blocks mar-b-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\" mar-r-qtr\">Your ATV insurance plan can provide affordable protection for sport utility and side-by-side<\/p>\n\n\n\n<button class=\"modal-d0769d1c-c0f9-4642-9f8c-d631a1689189_open  modal-button-title newwindow-link\" data-dig-id=\"LP-15188-9bb13929\" data-dig-category=\"LP\" data-dig-action=\"modal open\" data-action-closed=\"modal open\" data-action-opened=\"modal close\" data-dig-label=\"ATVs\">ATVs<\/button><div id=\"modal-d0769d1c-c0f9-4642-9f8c-d631a1689189\" class=\"modal modal-title\" role=\"region\" aria-labelledby=\"modal-title\"><div class=\"modal-inner\"><div class=\"wp-block-rbc-modal-block\">\n<h4 class=\"wp-block-heading\" id=\"h-eligible-atvs\">Eligible ATVs<\/h4>\n\n\n\n<p>All sport utility and side-by-side ATVs are eligible for coverage through RBC Insurance, except for what\u2019s listed below.<\/p>\n\n\n\n<p>The following ATVs are not eligible for coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Children&#8217;s ATVs under 200cc<\/li>\n\n\n\n<li>ATVs over 1000cc<\/li>\n\n\n\n<li>ATVs modified for performance<\/li>\n\n\n\n<li>ATVs valued over $50,000, including accessories but excluding tax<\/li>\n\n\n\n<li>ATVs that are used for business or commercial use<\/li>\n\n\n\n<li>Three wheeled ATVs<\/li>\n\n\n\n<li>Dune Buggies (these typically have automobile parts installed)<\/li>\n\n\n\n<li>Vehicles where all operators do not hold a valid driver&#8217;s license<\/li>\n<\/ul>\n<\/div><\/div><button class=\"close\"><span>Close<\/span><\/button><\/div>\n\n\n\n<p class=\"mar-l-qtr mar-r-qtr\"><sup><a href=\"#legal-3\" data-dig-id=\"LP-15188-283e5d46\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a><\/sup>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Protects you and your vehicle (if you add coverage for loss or damage) financially against a wide range of risks<\/li>\n\n\n\n<li>Add optional protection for accessories, equipment, riding gear and trailers for your ATV<\/li>\n\n\n\n<li>Choose from other optional coverages<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__illustration  hasDarkBg\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"cardTag rbc-override-margin\">Savings offer!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-have-a-home-or-car-insurance-policy-through-rbc-insurance\">Have a home or car insurance policy through RBC Insurance?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">You may qualify for a multi-product discount when you purchase ATV insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+18777497224\" data-dig-id=\"LP-15188-a3a63134\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-877-749-7224-tel:+18777497224 \">Call 1-877-749-7224<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15188-8432c14f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a Call-https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html \">Book a Call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/car-and-home.svg?quality=80&amp;w=1024\" alt=\"Car and home illustration\n\" class=\"wp-image-16579\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-get-an-atv-insurance-quote\">Get an ATV insurance quote<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Protect your ATV\u2014get an online ATV insurance quote or talk to a licensed insurance advisor.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15188-75bc347e\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN \">Get a quote<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-15188-e67fcb2f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get my quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Need help now? <a href=\"tel:+18777497224\" data-dig-id=\"LP-15188-f9527857\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-877-749-7224\" class=\"rbc-link-format\">Call 1-877-749-7224<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/ATV_Get-help-card-image.webp\" alt=\"ATV insurance quote\" class=\"wp-image-22284\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/ATV_Get-help-card-image.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/ATV_Get-help-card-image.webp?resize=300,284 300w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Frequently asked questions about ATV insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlea649b13a\" class=\"collapse-toggle collapsed\" data-target=\"#accordiona649b13a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-a649b13a\" aria-controls=\"accordiona649b13a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do you need ATV insurance in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do you need ATV insurance in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiona649b13a\" role=\"region\" aria-labelledby=\"accordion-titlea649b13a\"><div class=\"collapse-inner\">\n<p>Yes &#8211; 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&#8217;t legally mandatory, but it&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlee6ec896a\" class=\"collapse-toggle collapsed\" data-target=\"#accordione6ec896a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-e6ec896a\" aria-controls=\"accordione6ec896a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does ATV insurance cover?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does ATV insurance cover?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordione6ec896a\" role=\"region\" aria-labelledby=\"accordion-titlee6ec896a\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleb0fbe5df\" class=\"collapse-toggle collapsed\" data-target=\"#accordionb0fbe5df\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-b0fbe5df\" aria-controls=\"accordionb0fbe5df\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is ATV insurance required if you only ride on private property?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is ATV insurance required if you only ride on private property?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionb0fbe5df\" role=\"region\" aria-labelledby=\"accordion-titleb0fbe5df\"><div class=\"collapse-inner\">\n<p>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&#8217;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 <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN\" data-dig-id=\"LP-15188-1b385ab6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"get a quote online\" class=\"rbc-link-format\">get a quote online<\/a> and learn what affordable protection looks like for your situation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecb5b52fa\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncb5b52fa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-cb5b52fa\" aria-controls=\"accordioncb5b52fa\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does ATV insurance cover theft?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does ATV insurance cover theft?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncb5b52fa\" role=\"region\" aria-labelledby=\"accordion-titlecb5b52fa\"><div class=\"collapse-inner\">\n<p>Yes, ATV insurance can cover theft if you choose coverage that includes comprehensive or specified perils coverage. Basic liability-only policies typically don&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef3624b8a\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf3624b8a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-f3624b8a\" aria-controls=\"accordionf3624b8a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are ATVs covered under home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are ATVs covered under home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf3624b8a\" role=\"region\" aria-labelledby=\"accordion-titlef3624b8a\"><div class=\"collapse-inner\">\n<p>Home insurance generally doesn&#8217;t cover an ATV for accidents, liability, or damage while you&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleb6265a66\" class=\"collapse-toggle collapsed\" data-target=\"#accordionb6265a66\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-b6265a66\" aria-controls=\"accordionb6265a66\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does ATV insurance cost in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much does ATV insurance cost in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionb6265a66\" role=\"region\" aria-labelledby=\"accordion-titleb6265a66\"><div class=\"collapse-inner\">\n<p>All-terrain vehicle insurance typically ranges from a few hundred to over a thousand dollars annually, depending on factors like your ATV&#8217;s make and model, engine size, riding history, coverage choices, and location. Rates vary; speak to a licensed RBC Insurance advisor and <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN\">get a personalized quote<\/a> to find out exactly what you&#8217;d pay.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3c1b3643\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3c1b3643\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-3c1b3643\" aria-controls=\"accordion3c1b3643\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What factors affect ATV insurance rates?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What factors affect ATV insurance rates?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3c1b3643\" role=\"region\" aria-labelledby=\"accordion-title3c1b3643\"><div class=\"collapse-inner\">\n<p>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 <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=ON805_E4HECQON&amp;Lang=EN\">personalized quote<\/a> with an RBC Insurance advisor is the best way to see how these factors apply to your situation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title98cef752\" class=\"collapse-toggle collapsed\" data-target=\"#accordion98cef752\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-98cef752\" aria-controls=\"accordion98cef752\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I insure a side-by-side or UTV with ATV insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I insure a side-by-side or UTV with ATV insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion98cef752\" role=\"region\" aria-labelledby=\"accordion-title98cef752\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title521d9c16\" class=\"collapse-toggle collapsed\" data-target=\"#accordion521d9c16\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-521d9c16\" aria-controls=\"accordion521d9c16\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What optional coverage can I add to my ATV insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What optional coverage can I add to my ATV insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion521d9c16\" role=\"region\" aria-labelledby=\"accordion-title521d9c16\"><div class=\"collapse-inner\">\n<p>Beyond standard liability and accident benefit coverage, you can add optional protection for your ATV&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlee998ce24\" class=\"collapse-toggle collapsed\" data-target=\"#accordione998ce24\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-e998ce24\" aria-controls=\"accordione998ce24\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does ATV insurance compare to car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does ATV insurance compare to car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordione998ce24\" role=\"region\" aria-labelledby=\"accordion-titlee998ce24\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title817dca0b\" class=\"collapse-toggle collapsed\" data-target=\"#accordion817dca0b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-817dca0b\" aria-controls=\"accordion817dca0b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I insure a quad, ORV, or other off-road vehicle with ATV insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I insure a quad, ORV, or other off-road vehicle with ATV insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion817dca0b\" role=\"region\" aria-labelledby=\"accordion-title817dca0b\"><div class=\"collapse-inner\">\n<p>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&#8217;re unsure whether your vehicle qualifies, a licensed RBC Insurance advisor can help you find the right plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7bd5d2f4\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7bd5d2f4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-7bd5d2f4\" aria-controls=\"accordion7bd5d2f4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I save on ATV insurance by bundling with home or auto?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I save on ATV insurance by bundling with home or auto?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7bd5d2f4\" role=\"region\" aria-labelledby=\"accordion-title7bd5d2f4\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title02975cbc\" class=\"collapse-toggle collapsed\" data-target=\"#accordion02975cbc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-02975cbc\" aria-controls=\"accordion02975cbc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does RBC Insurance cover both ATVs and trailers in one plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does RBC Insurance cover both ATVs and trailers in one plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion02975cbc\" role=\"region\" aria-labelledby=\"accordion-title02975cbc\"><div class=\"collapse-inner\">\n<p>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&#8217;re towing a utility trailer or a recreational one, the right protection means you&#8217;re covered from the moment you hitch up. Call 1-877-749-7224 to explore your options.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title8112a163\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8112a163\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-15188-8112a163\" aria-controls=\"accordion8112a163\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I insure my motorcycle, ATV, and snowmobile with the same provider?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I insure my motorcycle, ATV, and snowmobile with the same provider?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8112a163\" role=\"region\" aria-labelledby=\"accordion-title8112a163\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-15188-ebc8f14d\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Products distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>The information above is a summary only and does not include all terms, conditions, limits and exclusions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>Loss or damage is not included with Liability-only policies.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>Certain conditions, limitations, restrictions and exclusions apply. Availability of coverage varies by province and is subject to rules and eligibility. Please speak to an RBC Insurance Advisor to see if you qualify.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>Certain conditions apply.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":118,"featured_media":0,"parent":15159,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15188","page","type-page","status-publish"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>ATV Insurance | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Hit the trails with specialized ATV insurance available through RBC Insurance. 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