ATV Insurance in Ontario, Canada

Ride Protected, On and Off the Trails

All-terrain vehicles (ATVs) are built for adventure — but with adventure comes risk. At Solutions Insurance Group, we help you protect your ATV with the right insurance so you can ride with confidence, knowing you and your vehicle are covered.

🔎 What Is ATV Insurance?

ATV insurance works much like car insurance: it’s a contract between you and your insurer. You pay a premium, and your policy helps cover financial losses if your ATV is involved in an accident, stolen, or damaged.

Coverage may include:

• 💰 Repairs or replacement of your ATV after a covered loss
• ⚖️ Liability if you injure someone or damage property while riding
• 🏥 Medical expenses if you or a passenger are injured
• 🚚 Coverage for theft, fire, and other risks (with optional add-ons)

📝 Is ATV Insurance Mandatory in Ontario?

Yes — in Ontario, ATV insurance is required by law if:

• You drive your ATV on public roads or municipal trails
• You ride on property other than your own

The minimum required coverage is liability insurance of at least $200,000, though most ATV owners choose higher limits for better protection.

🌟 Optional ATV Coverages You Can Add

Beyond mandatory liability, riders can add:

• Collision Coverage – Pays for ATV repairs after a crash, regardless of fault
• Comprehensive Coverage – Covers theft, fire, vandalism, and weather damage
• Accident Benefits – Provides medical, rehab, and income replacement after injury
• Accessories & Equipment – Covers trailers, storage boxes, winches, and upgrades
• Loss of Use – Helps pay for a rental if your ATV is being repaired after a covered loss

 Why Use a Broker for ATV Insurance?

Buying ATV insurance directly can leave gaps in coverage. Our brokers compare multiple insurers to:

• ✅ Ensure you meet Ontario’s legal requirements
• ✅ Find the best rate for your lifestyle and riding habits
• ✅ Customize protection for your ATV, passengers, and gear