ATVs are generally defined as self-propelled vehicles with four or more wheels designed to be driven off-road on land, snow and ice. A good example of an ATV would be a four-wheel vehicle used near your home or cottage, or for recreation such as exploring forest trails.

Snowmobiles are not considered ATVs. Visit our snowmobile insurance page here.

If you are going to be trail-riding, using the vehicle on property that you do not own, or crossing any public roads or parking lots, your ATV must be registered and you will require a license and insurance coverage.

ATV protection is similar to your automobile protection. You are required by law to carry some insurance coverage such as third-party liability. You may also purchase additional coverage such as Specified Perils, Comprehensive, Collision and All Perils. Contents carried in your vehicle may also be covered by your residential insurance policy.

For more information about our ATV marine insurance, please contact an insurance specialist at a Larry Grummett Insurance office near you or call 1-888-361-8666.