Whether you use your ATV or off road vehicle for practical purposes or just the pure joy and exhilaration of exploring in the wild, it's important to be protected by the right ATV insurance, which is a type of personal insurance. Coverage for all-terrain vehicles protects you from paying staggering legal fees, medical bills, settlement costs and replacement expenses in the event of an accident, damage, injury or theft of your all-terrain vehicle. ATV insurance can provide liability, collision and uninsured motorist coverages, among other possible coverage you may wish to include on your policy.

If you plan to use your ATV to cross public roads or to use it on public property such as the many beautiful trails around Ontario, you legally need ATV Insurance. If your ATV use strictly stays on private property, then insurance is not legally mandatory—but it is highly recommended. One accident  or other event can bring economic hardship if you aren't properly covered. When you combine that with the fact that no matter how many precautions you take, or how well you follow safety tips, there’s always the chance something bad can happen, Ontario ATV insurance becomes a recommended purchase for everyone using an all-terrain vehicle.

Ontario ATV insurance applies to a range of similar recreational off road vehicles, including:

• All-terrain vehicles
• Utility terrain vehicles (UTV)
• Quad bikes
• Four-wheelers
• Dune buggies
• Side-by-sides

In order to get ATV insurance coverage in Ontario, you need to be at least 16 years of age and hold a valid driver's license. Your eligibility will be further determined by factors such as the year, make, model, size and value of your all-terrain vehicle, as well as your driving record and past claims history.

Yes, bundling your ATV insurance with your existing auto insurance policy is possible and may potentially net you a discount because you can avoid paying a standalone surcharge. Ultimately, the decision to go with a standalone policy or bundle it together should depend on what offers the best coverage to suit your particular insurance needs. It can be confusing to navigate all the ins and outs of a complete insurance package, which is why the reliable brokers at Morison Insurance are ready to answer any questions you may have and clearly explain our recommendations. We want you to be empowered to make an informed decision about your insurance priorities.

Yes and no. A regular Ontario ATV insurance policy will cover amphibious ATVs when they are being used on land. However, it will typically have an endorsement called Marine Use Excluded (OPCF 9), which, as the name suggests, excludes usage on the water from your Ontario ATV insurance. It is possible to get coverage for water use, but it's important that you inform your Morison Insurance broker that you have an ATV with amphibious capabilities so they can ensure you are fully covered by your ATV insurance policy whether you're on land or water and you can use your recreational vehicle in all the ways it was built to be used.