ATV Insurance

Like going off-roading? We have the coverage you need for your all-terrain vehicle (ATV) or amphibious vehicle.

Stack up the discounts and save!*

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Average savings of $565 **

Bundling discount

Bundle your auto, home and recreational vehicle insurance and save even more.

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Up to 15% off

Multi-vehicle discount

Insure another car or recreational vehicle and save!

Up to 10% off

Exclusive discounts for iA clients

Get a discount if you have other products with iA Financial Group such as life, disability or critical illness insurance or savings products.

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Up to 27% off

Safe driving discount

Get a discount if you have a good motorcycle driving record.

Quick and easy claims!

When damages happen, we're here to help. Count on our expert advice and assistance for your leisure vehicle and RV insurance claims.

  • 24/7 claims service
  • Reassuring and immediate support
  • One of the fastest post-accident reimbursement times on the market
Make a claim

Coverage designed for you

Do you love off-roading? Are you out riding trails on your four-wheeler in winter and summer alike? Do you depend on your side-by-side to get work done around your property? Find out about our coverage for people who love ATVs. Get the best coverage for your 4-wheeler that’s tailored to your needs!

Basic coverage

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Civil liability

To ride an ATV in Quebec, civil liability coverage of $1 to $2 million is mandatory.

This insurance covers damage caused to your vehicle for which you are not responsible, and damage caused to other vehicles for which you are responsible.

Material damage

Coverage for collision, fire, theft and vandalism.


Use outside Quebec

Travel out of province with peace of mind. You’re covered for up to six months in Canada and the United States.

Useful coverage and options

Replacement value

Protects the value of your ATV against depreciation for up to 4 years.

Q.E.F. 43D


If you've added accessories to your all-terrain vehicle, talk to your agent to make sure you have enough coverage.


Good to know

When you have civil liability insurance, you’ll save money on the cost of your Fédération Québécoise des Clubs Quads membership card.

My Client Space
to make your life easier!

Manage your auto and home insurance online easily and securely, whenever you want, in My Client Space.

  • Manage your products
  • Consult your documents
  • Replace or add a car to your insurance policy
  • Access your digital car insurance certificate
  • And much more!
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Frequently Asked Questions

You must hold a valid driver's license and be at least 16 years old to drive a four-wheeler off-road vehicle. Drivers under 18 must also have a training certificate.

For UTVs (side-by-side), drivers must be at least 18 years of age.

You must carry your insurance policy with you at all times when riding an ATV, just as you would when driving a car or motorcycle. You must also have your driver's license, registration certificate, training certificate (if applicable) and a document showing your right to access Fédération Québécoise des Clubs Quads open_in_new trails, if required.

You must wear a helmet when driving an all-terrain vehicle. If it doesn't include a visor, you'll need to wear goggles too. And although not mandatory, gloves, chest protectors, protective clothing, etc. are highly recommended given the nature of off-roading activities.

For starters, think about a car or motorcycle. Your ATV needs to have the same basic equipment. Headlight, taillight and brake light, rearview mirror, speedometer and braking system are just some of the must-haves.

You are not allowed to drive your 4x4 on public roads, except in rare instances. For example, you can cross a public road to continue on a trail. You can ride on some roads if it’s posted on the road signs.

Bundling your insurance with iA Auto and Home pays off!

Save money on your car!

Discover recreational vehicle insurance

Save money on your recreational vehicle!

Discover home insurance

* Certain conditions apply. Subject to change without notice.

** Information collected between July 1, 2023 and December 20, 2023, from 352 new clients who purchased a new auto insurance policy covering at least one vehicle and a new home insurance policy with iA Auto and Home. This amount represents the average savings stated by the clients and is not a guarantee.

Living outside Quebec?

Our auto and home insurance products are offered only in the province of Quebec.
Our partner Surex can help you with your auto and home insurance needs in your region.

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