All-terrain vehicles (ATVs) are popular for off-road fun and recreation, but they come with significant safety risks. ATVs, which can weigh over 600 pounds and reach speeds of over 110 km/h, can be unstable and challenging to control. They lack roll bars, safety cages, and seatbelts, making them prone to tipping and rolling over, which can cause serious injury to riders and passengers.
ATV Definitions and Regulations
Each province defines ATVs similarly, generally as motorized vehicles with two or more wheels meant for off-road driving. ATVs are not designed or licensed for highway or road use. There are no federal regulations or age limits for riding ATVs; instead, each province has its own guidelines. Most require riders to be at least 16 years old and mandate helmet use.
Is ATV Insurance Required?
Unlike auto insurance, ATV insurance is not required in all provinces. However, provinces like BC, Alberta, Ontario, and Quebec require liability coverage if you use your ATV on public land or in parks. Additionally, if you finance your ATV, you may need specific coverage.
Your insurance needs depend on how and where you ride your ATV. Whether you ride daily or occasionally, accidents can happen anytime. ATV insurance is like auto insurance and helps cover costs associated with accidents and theft. It provides financial recovery for repairs, injuries, and lawsuits.
ATV Coverage Options
You can enjoy your ATV knowing you’re covered with these insurance options:
- Damage to the Vehicle: Collision and comprehensive coverage help pay for physical damage if your ATV hits a tree, rock, or fence. You pay your deductible, and the coverage pays the rest, covering scratches, dents, and other cosmetic damage.
- Liability: Liability insurance covers bodily injury and property damage caused by a covered accident.
- Accident Benefits: These benefits cover injuries or death of the driver or passengers, regardless of fault. Payments vary by province.
To enhance protection, you can customize your ATV policy with additional coverage, including:
- Increased liability limits
- Equipment coverage for towable trailers or sleds
- Roadside assistance
Put Safety First
ATVs can be a lot of fun, but they must be properly insured. Even in your garage, your ATV is at risk of fire, falling objects, and theft. On the trail, you could damage your ATV in a rollover, injure yourself, or harm someone else or their property.
While your helmet protects your life, insurance protects your finances. Contact your insurance broker to find the coverage you need to safeguard yourself and your vehicle.
