Don’t worry. Our customer representatives will ask you all the right questions so you’ll know right away if you are eligible for coverage or not. Simply call us or get a free ATV online quote.
To obtain an insurance policy, you and all the people you will list as users of the ATV need to have a valid license.
Customization or modifications
If you have altered your ATV to enhance its performance or appearance, be aware that we might not approve some modifications. Here are some examples:
- modifications to the frame or suspension.
- any modification that might increase the power by over 25 cc’s from the manufacturer’s original specifications.
Past losses or convictions
Restrictions based on a prior accident record will vary depending on whether you are looking for a new insurance policy or wish to renew an existing policy. Other criteria include the time elapsed since your conviction and the nature of the conviction.
Legal issues and non-payment
If you have been convicted of auto insurance fraud in the last 10 years, or were involved in any fraud or misrepresentation, this will affect your likelihood of obtaining insurance.
Please note that your policy may be nullified (voided) and your claim payment denied in the event that you misrepresent or omit to disclose any facts and relevant matters known to you which are likely to influence an insurer in the setting of the premium, the appraisal of the risk, or the decision to cover the risk. The same consequences may arise if you do not promptly notify the insurer of any changes that increase the risk specified in the policy and result from events within your control that are likely to influence the insurer in setting the premium, or deciding to continue to insure the risk.
Examples: Failure to disclose that the vehicle has been altered or modified.
Non-payment of the policy premium may result in cancellation of your policy.
Restrictions may also apply to a claim if you fail to comply with our coverage terms (for example, if you declined to provide us with requested documents).
There are a number of other factors that can prevent us from issuing a policy:
- Your ATV is used for racing, competition or jumping.
- ATVs that are manufactured outside of North America but don't have an established distribution channel in Canada or the United States.
- ATVs identified as ‘youth’ models (used by children).