Insuring an ATV or dirt bike is very similar to insuring your personal vehicle, as they are all covered under an Auto Policy. However, ATVs and dirt bikes, intended for primarily off-road use, do have some unique requirements. Below are some of the most commonly asked questions regarding ATV Insurance.
Frequently Asked Questions
I only use my ATV in the summer months. Do I need to insure it for the full year?
In Alberta, ATVs are required to be registered and must carry the mandatory third-party liability and Accident Benefits. However, ATVs are subject to physical damage or loss due to theft, collision, rollover, etc. If you are not going to use the ATV in the fall and winter months, then you can delete the third-party liability and collision coverage once the vehicle is parked and just keep Comprehensive coverage, which will include theft, wind or hail related damage and vandalism. Liability and Collision coverage can be added back on in the spring or summer when you are ready to start using it again. This will help keep your insurance costs down while still providing the necessary coverages you may need.
Are ATVs covered by my home insurance?
No, they are not. Any vehicle that is subject to motor vehicle registration must be insured under an Auto Policy in Alberta. The home insurance policy will specifically exclude motorized vehicles, other than items such as riding lawnmowers, wheelchairs or scooters designed for the disabled, and garden tractors of a certain size.
If my ATV is insured in Alberta, am I covered if I use it outside of the province?
As long as you remain a resident of Alberta, you can register and insure the ATV in Alberta and you would be covered if you took it with you on a vacation or weekend trip away anywhere in Canada or the USA. If the ATV is kept or stored outside of Alberta, then it would need to be insured in the province the vehicle is located in.
What coverage do I need for my ATV?
The mandatory coverage in Alberta is third party liability and accident benefits for any ATV that is going to be operated on public land or roadways (including just crossing a public road). However, it is suggested you contact one of our brokers to discuss the other coverages available, as ATVs are subject to physical damage as well. You will want to know about all the coverage options available.
Do I need to advise if I make modifications to my ATV?
If you add additional equipment, accessories, or modifications to the ATV you should contact one of our brokers to discuss. Any of these may increase the value of the unit and that needs to be reflected on the policy.
Do I have to have a valid Drivers License to insure my ATV?
Yes, the primary operator must have a valid Drivers License. Auto policies require applicants to be “licensed and qualified” to drive. However, if you have an unlicensed operator that you would want to be able to operate the ATV, there is an endorsement that can be added to the policy that will allow an unlicensed operator to drive but only off-road. They cannot operate the ATV on any public road.
What coverage options are available for my ATV?
ATVs are written on a standard auto policy; therefore, the same coverage options are available for an ATV as for your personal vehicle.
- Third Party Liability – for bodily injury or property damage you cause
- Accident Benefits – includes medical expenses and loss of earnings
- Physical damage coverage such as Collision & Upset, Comprehensive (which would include Fire, Theft and Vandalism, along with other coverages) and Specified Perils (which includes Fire and Theft but not Vandalism or a few other coverages available under Comprehensive. It is a very limited coverage)
- Some companies offer an “All Perils” option which includes both Collision and Comprehensive coverages combined.
Coverage can also be extended to include any additional parts or equipment you add to the ATV, such as a winch. The value of such additional equipment must be reported to the insurance company.
Coverage can also be obtained under a Commercial Auto policy for ATVs that are used as part of a business or commercial operation.
Be sure to contact your broker to ensure you have the correct coverage in place to meet all your requirements for your ATV.