ATV Insurance
Like going off-roading? We have the coverage you need for your all-terrain vehicle (ATV) or amphibious vehicle.
Already insured with iA Auto and Home?
Stack up the discounts and save!*
Average savings of $565
Bundling discount
Bundle your auto, home and recreational vehicle insurance and save even more.
Up to 15% off
Multi-vehicle discount
Insure another car or recreational vehicle and save!
Up to 10% off
Exclusive discount 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.
Up to 27% off
Experienced-driver discount
Get a discount based on your years of ATV-driving experience.
Quick and easy claims!
When damages happen, we're here to help. Count on our expert advice and assistance for your ATV insurance claims.
- 24/7 claims service
- Reassuring and immediate support
- One of the fastest post-accident reimbursement times on the market
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
Mandatory
Civil liability
To ride an ATV in Quebec, civil liability coverage of $1 to $2 million is mandatory.
See more See lessMaterial 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.
Additional coverage and options
Replacement value
Protects the value of your ATV against depreciation for up to 4 years.
Q.E.F. 43D
Accessories
If you've added accessories to your all-terrain vehicle, talk to your agent to make sure you have enough coverage.
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!
Frequently Asked Questions
What is the minimum age to drive an ATV?
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.
Where should you keep your ATV insurance policy?
What equipment is mandatory?
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.
What equipment is required on your quad?
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.
Can I drive my ATV on public roads?
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!
* Certain conditions apply. Subject to change without notice.
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.
