Insurance for Off-Road Vehicles

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Municipalities Determine the Laws for Off-Road Vehicles

Each municipality in Canada is responsible for deciding whether off-road vehicles are allowed to access roads in their region. For off-road vehicles to be allowed on Canadian roads in that area, a by-law must be put in place by the municipality before this activity is legal. Each area will have different regulations regarding road access and when people can drive these vehicles – sometimes you can only drive during certain hours of the day or during certain months. Contact your local municipal government office to learn about their policies for off-road vehicles. If live in Ontario then you can visit the provincial government’s e-Laws website to find out more information.

Do I Need Insurance for My Off-Road Vehicle?

According the Insurance Corporation of British Columbia (ICBC), it really depends on the how you are using the vehicle and what type of vehicle you have. For example, many types of dune buggies and dirt bikes cannot be insured in many provinces in Canada. In certain provinces you can insure all terrain vehicle (ATVs), snowmobiles, and even golf carts for use in certain areas. The ICBC website says that typically ATVs should have insurance and licence plates when used for industrial purposes, landscaping, maintenance, farming, and policing.

Do I Need a Licence to Drive an ATV?

It depends on where you live. Each province will have different laws so you should contact your provincial ministry of transportation to find out more information.

Further Reading

Ontario’s Off-Road Vehicles Legislation/Regulations

Insurance Corporation of British Columbia (ICBC) – Off-Road Vehicles

All-Terrain Vehicle Insurance

Canada is a vast and rugged land. We use ATVs for exploring trails, hunting, farming, transportation, and fishing. If you want to insure an ATV then you have a few options:


Their coverage includes $1 million in civil liability insurance. They also offer a number of discounts for people that insure their cars with AXA also (10% savings). You can also save 10% by insuring two or more ATVs with AXA. They have a discount for having an anti-theft device also. You can contact AXA Insurance by calling 1-877-392-6323. Visit our AXA page to learn more.

Meloche Monnex

To be eligible for ATV insurance from Meloche Monnex your off-road vehicle will need to cost less than $30,000. You must have a provincial licence for the vehicle and you must be the owner of the ATV. Meloche Monnex has the same policies as other providers but they also have an additional coverage that includes collision and comprehensive. This coverage will mean that your ATV is covered against damages caused by vandalism, theft, and fire as well as damage caused by a collision. Visit our Meloche Monnex page to learn more.

TD Canada Trust

If you’re looking for recreational vehicle insurance then TD has you covered. They have mandatory coverage for ATVs and also additional coverage such as collision, comprehensive, and all-perils. If you have residential insurance with TD then the contents of your ATV may also be covered. Visit our TD Insurance page to learn more.

For a full list of Canadian vehicle insurance companies click here.

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