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Riding an ATV can be a fun outdoor activity, where riders enjoy handling a more rugged terrain and get a thrill from riding a bigger bike with a more robust build that is designed for steeper hills, rocks, and mud. An all-terrain vehicle, ATV, is also known as a four-wheeler or quad bike, is meant for off-road riding, and is designed to handle a wider variety of terrain than most other vehicles. It has low-pressure tires, a seat for riders, and is steered by handlebars. It is street legal in some countries, but not in Canada or the U.S. If you are not riding it on your own private property, then you will require insurance. ATV insurance is similar to car insurance, but you cannot rely on coverage from your home or auto insurance, you will need specific ATV insurance coverage.
ATV insurance is a specialty insurance product that not all insurance companies offer. You can see if your current insurance provider offers it to get a discount for having both policies with them. Otherwise, you will need to get stand-alone coverage, which can be more expensive than adding it to your existing policy. Contact your Surex Advisor today for more details!
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ATV Insurance Across Canada
ATV insurance comprises a contract between customers and insurance companies that protects against financial losses in the case of an accident or theft.
It depends. Getting ATV insurance is mandatory if you are riding it on public roads and highways, and not exclusively on your own private property. It is similar to car insurance, with base coverage and similar categories, plus ATV-specific add-ons. You should never rely on coverage from your home or auto insurance. Not all companies offer ATV insurance, so you may need to shop around - a Surex Advisor can assist you with that!
You will need to get coverage for third-party liability and accident benefits, both of which are mandatory for people riding an ATV on public roads, land, and/or highways.
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