About our coverage
ATVs are generally defined as self-propelled vehicles with four or more wheels designed to be driven off-road on land, snow and ice. A good example of an ATV would be a four-wheel vehicle used near your home or cottage, or for recreation such as exploring forest trails. Snowmobiles are not considered ATVs. Since ATVs may be defined differently by provincial laws, please refer to the legislation in your province to determine if your vehicle qualifies as an ATV and to learn what your obligations are.
If you own an ATV, you are required by law to insure it if you operate your ATV on any land which you do not own or occupy. However, there are exceptions to the requirement to carry insurance.
You can often add insurance for these vehicles to your automobile policy.
Mandatory coverage must include:
- Third-party liability
- Direct compensation – property damage
- Uninsured and Unidentified Automobile
- Accident Benefits
Most people choose to carry greater coverage than required by law to better protect themselves from financial risk in the event that they are involved in an accident.
The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.