Insure your ATV and hit the trails with peace of mind

Une personne conduit un VTT

What can be more exhilarating than hitting the trails on your ATV? You can access the most remote and breathtaking places. Backcountry roads, bubbling rivers and dense forests are almost no match for these little speedsters. The key word, here, is “almost”. So it’s best that you insure your ATV so that you can maximize your outdoor experience, especially on rough terrains. Here’s everything you need to know on ATV insurance.

Is ATV insurance mandatory?

ATV drivers are required by law to take out civil liability insurance worth at least $1M. This can spare you a lot of hassle if you cause property damage or bodily injury to a third party while you’re out with your ATV.

That said, you’re not required to insure the vehicle itself. However, since ATVs are built for rough-and-tumble rides, you might need to have it repaired at some point.  If you choose not to insure your ATV, you’ll have to cover the cost of any repairs. Ditto, if you want to have it replaced in case of theft.

Note that coverage for your equipment and accessories can hit $2,000. What’s more, Beneva offers civil liability insurance for ATVs. You can also take it out at the same time as your right of access (This hyperlink will open in a new tab) (French only) to the Fédération québécoise des clubs des quad trails. Fess up, you thought it’d be more complicated!

How can you pay less?

Do you have a motorcycle on top of your ATV? The good news is that you can get discounts if you bundle your insurance. Home, auto, ATV... The more you insure, the more you save. Bundle your recreational vehicle insurance with your home, auto and life insurance. You’ll benefit from interesting advantages on your contract, on top of your discounts. And if you renew your insurance without filing a claim, your deductible will be reduced by $50. A little bonus for our loyal customers!

And what about the SAAQ?

The SAAQ insures you if you’re hit by a vehicle on a public road. However, even if your vehicle registration is in order, the SAAQ will not pay if you’re injured while you’re driving your ATV on the trails.

It’s therefore best that you take out disability insurance. If you happened to be involved in an accident and it prevents you from working and providing for you and your family, it would help you keep your head above water.  You may also want to think about taking out life insurance. The financial future of your loved ones would be assured in the event of your death. What’s more, you could cover your payments or insure your business. You can never be too cautious!

The sheer pleasure you get out of an ATV outing is matched only by the peace of mind that comes with concrete insurance. Because we know that exploring the backcountry on an ATV comes with its fair share of risks. So leave the “what ifs” behind. Hit the trails with peace of mind and enjoy each moment.