If you’ve recently purchased an All-Terrain Vehicle (ATV) or are planning to, ensuring it’s properly insured is a smart move. At Solutions Insurance, we’re here to help you understand ATV insurance – what it covers, why it’s mandatory, and how you can save on your policy while staying protected on every ride.
ATV insurance is designed to protect owners and riders of these rugged, adventurous vehicles. Whether you use your ATV for work, recreation, or off-road adventures, the right insurance policy ensures you’re covered in case of collisions, injuries, theft, or property damage.
At Solutions Insurance, we provide customized ATV coverage tailored to your usage – whether personal or commercial.
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Yes, just like car insurance, ATV insurance is mandatory in most Canadian provinces when your vehicle is operated in public spaces.
For example, in Ontario, ATV owners must carry:
Third-party liability coverage
Accident benefits coverage
Uninsured automobile coverage
As of January 1, 2024, Direct Compensation – Property Damage (DC-PD) is optional in Ontario, but still mandatory in other provinces.
Mandatory ATV Insurance Coverage
Third-Party Liability
Protects you if you’re responsible for causing damage or injury to others. It covers legal fees, injury compensation, and damage to property or other vehicles.
Provides financial support for medical costs not covered by OHIP or other health plans—such as rehab, physiotherapy, and more—if you or others are injured in an accident.
✔ Direct Compensation – Property Damage.
Covers damage to your ATV when another insured driver is at fault. Ontario riders can now opt out of this as of 2024.
✔ Uninsured Automobile Coverage
Protects you in case you’re hit by an uninsured driver or involved in a hit-and-run accident.
Optional ATV Insurance Coverage
At Solutions Insurance, we offer a variety of add-ons to ensure you’re fully protected based on how and where you ride:
➕ Collision Coverage
Covers your ATV for repairs after a crash, regardless of fault. It’s ideal for frequent riders or off-road enthusiasts.
➕ Comprehensive Coverage
Protects your ATV from non-collision damage like theft, vandalism, falling objects, fire, and weather-related damage.
➕ Accident Forgiveness
Avoid premium hikes after your first at-fault accident with this policy add-on (eligibility and availability vary by province).
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Insurance rates are based on several factors, including:
* Type, value, and horsepower of the ATV
* Driving history and insurance record
* How often you ride
* Your age and gender
* Deductibles and coverage levels
* Intended use (recreational or commercial)
At Solutions Insurance, we offer personalized quotes that reflect your unique needs. Contact our advisors to get started with a free, no-obligation quote today.
Here are some expert tips from the Solutions Insurance team to help lower your premium:
✅ Install Anti-Theft Devices
Increase security with a lock or tracking system.
✅ Pick the Right ATV
Opt for lower-horsepower or youth models if you’re looking to reduce insurance costs.
✅ Bundle Your Insurance
Combine your ATV insurance with auto or home coverage for multi-policy discounts.
✅ Take an ATV Safety Course
Certified training can earn you discounts and make you a safer driver.
✅ Increase Your Deductible
Choosing a higher deductible can significantly reduce your monthly premium.
✅ Limit Your Usage
If you only ride occasionally, let us know – you may qualify for a low-usage or occasional rider discount.
ATV Safety Tips from Solutions Insurance
Staying safe on your ATV isn’t just good practice – it can also help keep your insurance costs low. Here’s how:
* Always wear a helmet and protective gear
* Avoid riding under the influence
* Keep your license, registration, and permits with you
* Obey weight and passenger limits
* Watch for wildlife and terrain hazards
* Ride cautiously at night
* Keep a first aid kit onboard
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We provide coverage for all types of ATVs, including:
Utility ATVs – Used for farming, hunting, or heavy-duty hauling
Sport ATVs – Built for speed, trails, and racing
Youth ATVs – Safer models for kids and teens with reduced power.
We work with a passion of taking challenges most creating new ones
Head Office
2550 Meadowvale Blvd. Unit 2, Mississauga ON L5N 8C2
For inquiries, email us at info@ssinsurance.ca
Monday – Friday
10:00 AM – 6:00 PM