All Vehicles Financing Trail Finder

ATV and Side-by-Side Insurance in Canada

Free quotes for ATVs, UTVs, side by sides, dirt bikes, snowmobiles and jet skis. Protect your machine before you ride, and know the real running cost before you buy.

Free quote No obligation Canadian brokers All 13 provinces

Quoting for

1957 VW Dune Buggy

CA$14,500

View vehicle

Get Your Free Quote

Takes about two minutes. Required fields are marked with a star.

About you

Age affects the premium. Optional, but it makes the quote more accurate.

The machine

Secure storage can lower your premium.

Mention winches, plows, light bars and custom parts. They often need declaring to be covered.

We use your details only to obtain insurance quotes for this enquiry, and we do not sell your information. See our privacy policy.

Free, with no obligation. By submitting, you agree to be contacted about insurance options.

What Coverage Actually Means

The four parts of a typical off-road policy

Liability

Covers injury or property damage you cause to someone else. This is the part usually required by law and by trail clubs.

Collision

Pays to repair or replace your own machine after an accident, whether or not another party was involved.

Comprehensive

Theft, fire, vandalism and weather damage. Worth having on any machine stored outside or trailered often.

Accessories

Winches, plows, light bars and custom parts often need declaring separately to be covered at their real value.

Off-Road Insurance in Canada

What affects your premium and where cover is required

Where you ride decides whether you need it

Most provinces require liability insurance to ride on Crown land, public trails or a road allowance, and club-maintained trail networks generally require proof of insurance before selling you a trail pass. Riding only on land you own is the usual exception. The details differ province to province, so confirm the current requirement with your provincial authority before you head out.

What moves the price

  • Your province and postal code: theft rates and claims history vary by area.
  • Your age and riding record: the same as any other vehicle policy.
  • Machine value and engine size: a high-output side by side costs more to cover than a small utility quad.
  • How you use it: recreational trail use is usually cheaper than racing or commercial use.
  • Where it is stored: a locked garage beats an open driveway.
  • Coverage chosen: liability only is far cheaper than full collision and comprehensive.

Do not assume your home policy covers it

Home and auto policies sometimes extend limited cover to an off-road vehicle, but usually only on your own property, and often with no protection once you leave it. Read the wording before you rely on it, because a trail incident on a policy that excludes trail use leaves you fully exposed.

Quote before you buy, not after

Insurance is a real part of the running cost, and it varies enough between machines that it can change which one you should buy. Get a quote while you are still shopping, alongside your payment estimate, so you are budgeting for the whole picture.

Buying used? Pair your quote with a pre-purchase inspection, and read our buying guides before you hand over any money.

Insurance FAQ

Common questions from Canadian riders

It depends on where you ride. Most provinces require liability insurance to ride on Crown land, public trails or any road allowance, and organised trail networks generally require it before they will sell you a pass. Riding only on your own private property is the usual exception. Rules differ by province, so confirm with your provincial authority.
It varies widely with your province, age, riding record, the machine value and how you use it. A basic liability policy on a modest quad is typically one of the cheaper policies you will hold, while a high-value side by side with full collision and theft cover costs considerably more. A quote is the only way to know your number.
Liability covers injury or property damage you cause to others, and is the part usually required. Collision covers damage to your own machine in an accident, and comprehensive covers theft, fire, vandalism and weather. Many riders also add accessory coverage for winches, plows and aftermarket parts, which a base policy may not include.
Sometimes partially, and usually only while the machine is on your own property. It rarely extends to trail or Crown land riding, and often excludes theft away from home. Check your existing policy carefully before assuming you are covered.
Usually yes. Coverage is about where you ride, not how the machine gets there. If you ride public trails or Crown land, liability cover is normally required regardless of how you transported it.
Not always by default. Winches, plows, light bars, custom wheels and upgraded suspension often need to be declared and added to the policy. Tell the broker what is fitted so the value is properly covered.
Yes, and it is worth doing. Getting a quote before you buy tells you the real running cost, and lets you compare two machines on total cost rather than sticker price alone.
Yes. Quotes are free with no obligation. We pass your details to Canadian insurance partners who will contact you with options.

Next Steps

Sort the rest of your purchase

Apply for Financing

Spread the cost monthly

Payment Calculator

Estimate your real monthly cost

Pre-Purchase Inspection

Check before you pay

Trail Finder

Find where you can legally ride

Browse Vehicles and More