Snowmobile, ATVs and Motocross Insurance
ATVs (all-terrain vehicles), snowmobiles and dirt bikes (motocross motorcycles) are considered off-road vehicles. As the owner of such vehicle, you are legally required to have liability coverage of at least $500,000. All other drivers of the same vehicle must also be registered on the contract
Your vehicle may be covered under your regular auto insurance — but is this coverage adequate? Not all auto insurers offer the coverage you need. What’s more, changing the premium can be expensive.
We can help. Our access to firms who specialize in this type of insurance not only gives you a range of essential coverage to choose from: you’ll also enjoy competitive rates!
- Why take out insurance
If you own an off-road vehicle, you need to choose your coverage well. Keep in mind that the Société d’assurance automobile du Québec (SAAQ) receives no insurance premium on off-road vehicle licence plate fees — meaning that it generally provides no compensation for injuries sustained in accidents involving off-road vehicles. Barring a few exceptions, you need private insurance to cover your third-party liability (i.e. to provide compensation for injuries caused to others). And if you’re the one who’s injured, you need adequate coverage for that, too.
Note that, if you take out a loan to buy an off-road vehicle, the creditor will likely require proof of insurance before letting you drive off with your purchase.
- Types of coverage
In Québec, insurance for off-road vehicles is identical to car insurance, and consists of two parts. The first, which is legally required, is civil liability insurance of at least $500,000 (in fact, we recommend taking out coverage of at least $1 million). This part of the insurance contract covers injury to others who are not covered by the Société d’Assurance Automobile du Québec.
The second part is optional and covers damage to your vehicle as well as any personal injuries that you may incur. The agents at J. Gérard Fortin will be happy to answer your questions and advise you on the best protection for your needs.
- Additional coverage
Cash compensation at remplacement cost without depreciation
Additional coverage includes cash compensation at replacement cost without depreciation. If a loss occurs, your vehicle is repaired with new and original parts, with no deduction for depreciation. In the event of a total loss, you receive compensation equal to the original purchase price of your vehicle.
This rider provides a death benefit or reimbursement of certain medical expenses when you have an accident with your ATV, snowmobile or motocross bike.
Other additional coverage is available. Talk to your agent at J. Gérard Fortin.
- Reducing your ATV premium
You can reduce your ATV insurance premium in these simple and effective ways:
- Insuring all your vehicles with the same firm
- Increasing your deductibles
- Installing an approved anti-theft device
- Driving prudently
- Maintaining a good credit rating
- AVT Insurance Claim
In the event of an accident with injuries, call for emergency assistance and stay calm.
If no one was injured, complete a joint accident report. If you do not have an accident report, take down the other driver’s coordinates (name, address, phone number, driver’s license number, registration certificate and insurance certificate).
Can a 15-year old drive an ATV?
The legal age for driving an all-terrain vehicle (ATV, also known as a quad) is 16. However, if you are 16 or 17, you must have taken a course and hold the required certificate of competence. Drive without this certificate, and you risk being fined $100.
To carry a passenger on an ATV, you must be aged at least 18.