{"id":40633,"date":"2026-08-12T10:00:39","date_gmt":"2026-08-12T14:00:39","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=40633"},"modified":"2026-08-12T11:32:28","modified_gmt":"2026-08-12T15:32:28","slug":"guide-to-atv-insurance-in-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-atv-insurance-in-canada","title":{"rendered":"Guide to ATV Insurance in Canada"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Guide to ATV Insurance in Canada<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-05-26T14:50:34.486Z\">May 26, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">9 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/image-3.png?quality=80&w=512\" alt=\"Mark Gronowski\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Guide-to-ATV-Insurance-Writer-The-Freelance-Squad-.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Guide-to-ATV-Insurance-Writer-The-Freelance-Squad-.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Guide-to-ATV-Insurance-Writer-The-Freelance-Squad-.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Guide-to-ATV-Insurance-Writer-The-Freelance-Squad-.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Guide to ATV Insurance in Canada &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-atv-insurance-in-canada\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/guide-to-atv-insurance-in-canada\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is ATV insurance?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-atv-insurance\">What is ATV insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-is-atv-insurance-mandatory-in-canada\">Is ATV insurance mandatory in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-atv-insurance-cover\">What does ATV insurance cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-atv-insurance-cost-in-canada\">How much does ATV insurance cost in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-who-should-consider-atv-insurance\">Who should consider ATV insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-best-atv-insurance-for-you\">How to choose the best ATV insurance for you<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-happy-trails-ahead\">Happy trails ahead<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>There\u2019s a reason many Canadians love riding all-terrain vehicles (ATVs). Whether you&#8217;re hitting the trails, heading out on a camping trip, or using an ATV to maintain your property, these vehicles offer a practical way to get around places that cars and trucks can&#8217;t reach. They can also add a little adventure to your time outdoors.<\/p>\n\n\n\n<p>While off-road riding is exciting, it may come with some unexpected surprises \u2013 from uneven terrain and obstacles on the trail to changing weather conditions. That\u2019s where <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/atv-insurance\/\" data-dig-id=\"LP-CarInsurance-40633-8f3fb6df\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"ATV insurance\" class=\"rbc-link-format\">ATV insurance<\/a> comes in. It can help protect you financially if you\u2019re involved in an accident, your vehicle is damaged, or you\u2019re found responsible for injuries or property damage.<\/p>\n\n\n\n<p>Not sure where to begin? This guide explains what ATV insurance is, how it works, provincial insurance requirements, and what to consider when looking for coverage.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>ATV insurance can help cover costs if your ATV is damaged or stolen<\/strong>, as well as help with medical expenses, lost income, and liability if you\u2019re in an accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>ATV insurance rules vary across Canada<\/strong>. In some cases, coverage may be required when riding in certain areas (e.g., on permitted public roads) or under specific conditions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Even when it\u2019s not required, many riders get ATV insurance<\/strong> to help protect against unexpected costs like damage, theft, injuries, or liability.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>What you pay for a premium depends<\/strong> on things like your ATV, how often you ride, where you store it, and your driving history.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You can add extra coverage<\/strong> for riding gear or family protection, depending on your needs.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading\" id=\"h-what-is-atv-insurance\">What is ATV insurance?<\/h2>\n\n\n\n<p>ATV insurance is a type of vehicle insurance designed specifically for all-terrain vehicles. It helps protect you financially if you&#8217;re involved in an accident, your vehicle is damaged, stolen, or vandalized, or you&#8217;re found responsible for injuring someone or damaging their property.<\/p>\n\n\n\n<p>Depending on your policy, ATV insurance may include coverage for third-party liability, accident benefits, damage to your vehicle, theft, vandalism, and other covered losses.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h3 class=\"wp-block-heading\" id=\"h-atv-insurance-vs-car-insurance\">ATV insurance vs. car insurance<\/h3>\n\n\n\n<p>ATV insurance and car insurance work in similar ways, but they\u2019re designed for different vehicles and risks.<\/p>\n\n\n\n<p><strong>ATV insurance<\/strong> is designed specifically for off-road vehicles and can provide protection whether you&#8217;re using your ATV for recreation, work, or getting around your property.<\/p>\n\n\n\n<p><strong>A standard car insurance policy<\/strong> won&#8217;t cover you while you\u2019re riding your ATV. You\u2019ll need to get ATV-specific insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-atv-insurance-mandatory-in-canada\">Is ATV insurance mandatory in Canada?<\/h2>\n\n\n\n<p>It can be, but it largely depends on <em>where<\/em> and <em>how<\/em> you use your ATV.<\/p>\n\n\n\n<p>In some provinces and territories, liability insurance may be required <strong>if you ride your ATV on permitted roads, highways, trails, Crown land, or other public spaces<\/strong>. Liability insurance (also called third-party liability insurance) helps protect you if you&#8217;re found responsible for injuring someone or damaging their property while operating your ATV.<\/p>\n\n\n\n<p><strong>If you ride only on private property<\/strong>, ATV insurance may not be legally required. Even so, many drivers choose to carry coverage because accidents, injuries, theft, and property damage can happen whether you\u2019re on public land or your own property.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h3 class=\"wp-block-heading\" id=\"h-provincial-requirements-for-atv-insurance\">Provincial requirements for ATV insurance<\/h3>\n\n\n\n<p>One of the trickier things about ATV insurance is that the rules aren&#8217;t the same across Canada. Whether insurance is required \u2014 and how much coverage you need \u2014 depends largely on where you live and where you ride.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading\" id=\"h-what-does-atv-insurance-cover\">What does ATV insurance cover?<\/h2>\n\n\n\n<p>ATV insurance is designed to cover the main risks that come with riding. Here\u2019s a breakdown of what\u2019s typically included.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-protection-for-your-atv\">Protection for your ATV<\/h3>\n\n\n\n<p>Depending on your policy, coverage can help pay for repairs or replacement if your ATV is damaged by events like collision, fire, theft, and\/or vandalism.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-liability-protection\">Liability protection<\/h3>\n\n\n\n<p>Liability coverage applies if you injure someone else or damage their property while operating your ATV. It can help cover legal fees, repair costs, or medical bills that you\u2019re responsible for if you cause an accident.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-protection-from-uninsured-motorists\">Protection from uninsured motorists<\/h3>\n\n\n\n<p>If you\u2019re involved in an accident with someone who is uninsured or can\u2019t be identified, this coverage kicks in. It can help cover damage to your ATV, as well as injury-related costs, so you are not left on the hook for losses caused by someone else\u2019s lack of insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-accident-benefits\">Accident benefits<\/h3>\n\n\n\n<p>Accident benefits can help provide support if you\u2019re injured while riding. This may include medical expenses, rehabilitation, and income replacement if you\u2019re unable to work. In more serious cases, benefits may also extend support to your family.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-atv-insurance-cost-in-canada\">How much does ATV insurance cost in Canada?<\/h2>\n\n\n\n<p>ATV insurance in Canada typically can cost a few hundred dollars to over $1,000 per year, depending on your situation and the level of coverage you choose. Where you fall in that range depends on your ATV, how you use it, and a few personal factors your insurer looks at when calculating your premium.<\/p>\n\n\n\n<p>Here\u2019s what can move the price up or down:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The type and value of your ATV: <\/strong>A brand-new or higher-end ATV will likely cost more to insure than an older or basic model. Add-ons and custom parts can also bump up the cost a bit since they may increase repair or replacement costs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your riding frequency and usage: <\/strong>If your ATV sees a lot of action \u2014 whether that\u2019s weekend fun or everyday work \u2014 insurers see more opportunity for something to go wrong. Less riding usually means lower risk.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The ATV\u2019s location and storage: <\/strong>The location of your ATV and how it\u2019s stored can affect your premiums. For example, a locked garage or shed may help keep your premium down; while leaving it outside can raise the risk of theft or damage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your driving record and claims history: <\/strong>Like <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-calculate-car-insurance-premium\/#h-five-factors-that-influence-car-insurance-premiums\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-40633-1d14a80d\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"car insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">car insurance<\/a>, your driving record and claims history can impact your premiums. If you have a long history of safe driving and minimal insurance claims, your premiums might be lower.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your deductible.<\/strong> Higher premiums usually mean a lower deductible, while lower premiums often mean paying more out of pocket if you file a claim.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-consider-atv-insurance\"><strong>Who should consider ATV insurance?<\/strong><\/h2>\n\n\n\n<p>Even if you\u2019re not legally required to carry ATV insurance, it\u2019s still worth asking whether you should have it anyway. Here are a few situations where ATV insurance can make sense:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-recreational-riders\"><strong>Recreational riders<\/strong><\/h3>\n\n\n\n<p>If you\u2019re a trail user or seasonal rider, ATV insurance still makes sense even when it\u2019s not required \u2014 because one bad ride can get expensive fast, and it\u2019s better to be covered than caught off guard.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rural-and-property-owners\"><strong>Rural and property owners<\/strong><\/h3>\n\n\n\n<p>If your ATV is part of your workday \u2014 whether that\u2019s for farm duties, hauling gear, or getting around acreage \u2014 it\u2019s less of a toy and more of a tool. Insurance helps protect that investment, so if it\u2019s stolen or damaged, you\u2019re not stuck footing the bill or putting your work on hold.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-families-or-multi-rider-households\"><strong>Families or multi-rider households<\/strong><\/h3>\n\n\n\n<p>If more than one person is using the same ATV, insurance can help extend protection across multiple riders in your home, depending on your policy. If you have friends riding your ATV, insurance is very important to protect you from liability if someone is injured.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-best-atv-insurance-for-you\">How to choose the best ATV insurance for you<\/h2>\n\n\n\n<p>Not all ATV insurance coverage is built the same. Here\u2019s a quick checklist to help you choose the right policy for you:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Match your coverage to your ATV use:<\/strong> Your policy should match how often you\u2019re riding and what you\u2019re using it for. If you\u2019re using it for work or utility, you likely need different coverage than a seasonal or recreational rider.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Bundle your policies for savings: <\/strong>You can often unlock discounts by bundling your ATV insurance with your existing car or home policy. Check with your provider to see how combining your coverage can help lower your overall premium.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Reviewing your policy limits and exclusions:<\/strong> Make sure you know the maximum amount your insurance provider will pay for a claim, and which situations your policy won\u2019t cover. Knowing this upfront helps you avoid surprises when you need to use your coverage.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-happy-trails-ahead\">Happy trails ahead<\/h2>\n\n\n\n<p id=\"h-happy-trails-ahead-at-the-end-of-the-day-atv-insurance-helps-make-sure-one-bad-moment-doesn-t-derail-your-plans-or-your-wallet\">At the end of the day, ATV insurance helps make sure one bad moment doesn\u2019t derail your plans (or your wallet).<\/p>\n\n\n\n<p>If you\u2019re unsure what coverage fits your setup, a licensed RBC Insurance advisor can help you sort through the options and figure out what makes sense for how you ride. Get an <a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=BLOG_A20&amp;Lang=EN\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-40633-8143deb2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"ATV insurance online quote\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">ATV insurance online quote<\/a> or <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-40633-eeb3423d\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"book a call\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">book a call<\/a> today.<\/p>\n\n\n\n<p>And once you\u2019re covered? You\u2019ll be ready to take on the trails and get back into the outdoors. Happy ATVing!<\/p>\n<\/div>\n<\/section>\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\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel section-ads has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-atv-insurance-quote\">Get Your Free ATV Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before 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=BLOG_A20&amp;Lang=EN\" data-dig-id=\"LP-CarInsurance-40633-476a44f4\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Start my Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=car%20atv&amp;campaignID=BLOG_A20&amp;Lang=EN \">Start my Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-Assuranceauto-7536-eb5cbf80\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\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\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-frequently-asked-questions-faqs-about-atv-insurance-in-canada\">Frequently asked questions (FAQs) about ATV insurance in Canada<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-do-you-need-to-get-insurance-on-an-atv\">What do you need to get insurance on an ATV?<\/h4>\n\n\n\n<p>To get ATV insurance, you typically need to register your vehicle in your province or territory and provide details for anyone who will be operating it. Most insurers will require riders to have a valid driver\u2019s licence, though exact requirements can vary.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>What does insurance cover on an ATV?<\/h4>\n\n\n\n<p>ATV insurance typically helps cover damage to your ATV, liability if you injure someone or damage their property, and accident benefits if you\u2019re injured in a crash. You can also add optional coverages like riding gear protection or a family protection endorsement, depending on your insurer and policy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Do I need ATV insurance on private property?<\/h4>\n\n\n\n<p>ATV insurance isn\u2019t usually required if you\u2019re exclusively riding on private property. However, many riders still get ATV insurance for added financial protection and peace of mind.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Does ATV insurance cover theft?<\/h4>\n\n\n\n<p>ATV insurance can cover theft, but it\u2019s not usually included in liability-only policies. Usually, you need comprehensive coverage for that protection.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Can I bundle ATV insurance with home or auto insurance?<\/h4>\n\n\n\n<p>Yes, you can often bundle ATV insurance with home or auto insurance for potential savings. It depends on your insurer and eligibility, so it\u2019s worth speaking with <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\">a licensed RBC Insurance advisor<\/a> to review the options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>What happens if I\u2019m injured in an ATV accident?<\/h4>\n\n\n\n<p>If you\u2019re injured in an ATV accident, your insurance may help cover medical expenses, rehabilitation costs, and lost income, depending on your policy. In more serious cases, additional benefits \u2014 such as survivor or death benefits \u2014 may also apply. <a><\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-12729-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Explore ATV insurance in Canada: what it covers, requirements, and how to choose the right policy for your riding needs.<\/p>\n","protected":false},"author":222,"featured_media":40635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[49],"tags":[28,20],"article-type":[80],"ppma_author":[190],"class_list":{"0":"post-40633","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance","8":"tag-auto","9":"tag-car-insurance","10":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Guide to ATV Insurance in Canada | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Motorhome insurance is a specialized type of auto insurance that protects your vehicle and the contents inside it. 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