ATV insurance
Hit the trails with insurance designed for your all-terrain vehicle (ATV). Get an online quote today!
With your local Desjardins Agent
If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized ATV insurance quote. You can find their contact information in your online account or with our search tool.
Why you need ATV insurance
In Quebec, civil liability insurance is mandatory under the Act respecting off-highway vehicles, no matter what type of ATV you have. This coverage protects you if you injure someone or damage their property in an accident.
Other legal requirements for operating an ATV include a valid driver's licence and all mandatory equipment.
Benefits of insuring your ATV with us
Our ATV insurance helps you pay repair or medical costs in the event of a claim. We have coverage options that fit your needs so you can enjoy your ride knowing you're well protected.
Full coverage available
You can choose coverages that protect your ATV and its accessories against a wide range of risks including collision, fire, theft and vandalism.
Multi-vehicle discount
By insuring your car or another recreational vehicle with us in addition to your ATV, you can save 10% on your premium.
Standalone insurance option
If you don't have car insurance with us, you can insure just your ATV.
Convenient online services
If you already have car insurance with us, keep all your insurance in one place by adding your ATV to your existing policy. You can then use your online account to manage your policy, update your file and view your insurance documents anytime, anywhere.
Types of ATVs we insure
- Quads or four-wheelers
- Side-by-side ATVs
- Dirt bikes
You can find a list of eligible vehicles when you get an online quote. Call us if you don't see your make and model.
Our ATV insurance coverages
Select a coverage type to see more or scroll down to see them all.
Mandatory coverage
Civil Liability
Section A
Covers:
- Damage to someone else's property from an accident that's your fault
- Bodily injuries caused to someone who isn't covered by the Société de l'assurance automobile du Québec (SAAQ) from an accident that's your fault
- Damage to your ATV from an accident that's someone else's fault
Quebecers who are injured or lose their life in car accidents are covered under the public automobile insurance plan. In the event of injury or death from a traffic accident, contact the SAAQ to file a compensation claim.
What coverage amount to get
- Minimum amount for our ATV insurance: $1 million
- For added peace of mind, for example if you ride your ATV outside Quebec: $2 million
Contact us about what coverage amount is right for your needs.
Common optional coverages
Collision and Upset
Section B2
Covers damage to your ATV:
- If you're in an accident with another vehicle or an object
- If your ATV rolls over
- If you're struck by a hit-and-run driver
Examples of situations that are covered by this option:
- You back into another vehicle
- You hit a tree or an object while riding
- Your quad skids and tips over while turning a corner
You can choose to skip this coverage, unless your ATV is leased or financed and your lender requires it.
All Perils other than Collision or Upset
Section B3
Covers damage to your ATV from a range of factors not included in Collision and Upset, such as:
- Fire, theft or vandalism
- Flying or falling objects
- Certain weather events
- Collision with an animal or a person
You can choose to skip this coverage, unless your ATV is leased or financed and your lender requires it.
Other optional coverages
Value Plus Option
Endorsement 43
The Value Plus Option™ keeps your new or used ATV from losing value for up to 5 years in the event of total or partial loss.
If your ATV is declared a total loss, you'll be paid the price you paid for your ATV, increased by an annual percentage.
If your ATV is declared a partial loss, we'll pay to repair the damaged parts or replace them with new ones and cover their loss of value.
Get an ATV insurance quote
With your local Desjardins Agent
If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized ATV insurance quote. You can find their contact information in your online account or with our search tool.
Get an ATV insurance quote
Request an online quote to get your personalized rate, then call us to complete your purchase.
What determines the cost of ATV insurance?
Several factors affect the cost of your ATV insurance, including:
- The make, model and year of your ATV
- Where you live
- The coverage you choose
Save with our discounts
Save 10% on your recreational vehicle insurance when you insure an additional vehicle with us.
FAQ
Is ATV insurance required?
Yes. By law, you need at least $1 million in civil liability insurance. Unlike for auto insurance, the SAAQ doesn't cover injuries if you have an accident with your off-road vehicle, unless an automobile is involved.
How can I save on my ATV insurance?
Here are some tips to save on your ATV insurance:
- Compare quotes for different models when shopping for an ATV. Vehicles that are newer or have larger engines typically cost more to insure.
- Consider skipping coverages that protect your vehicle. For example, if your quad is old and has lost much of its value, you might not need coverage that protects it against damage.
- Insure other vehicles with us to qualify for our multi-vehicle discount.
1 - Choose a higher deductible if you're able to pay more out of pocket in the event of a claim.
How do I file a claim for my ATV?
If your ATV was involved in an accident or was otherwise damaged or stolen, our claims department is available 24/7. You can submit a claim online, in the Desjardins Insurance Home-Auto app or by phone.
Contact us
Client Relations Centre
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM
1-888-277-8726 This link will launch your default phone software.