What Does ATV Insurance Cover?
ATV insurance is not required by law in Alberta but can be designed based off your personal needs, i.e., what coverage options you need based on your vehicle and your budget. Working with an ATV insurance broker in Alberta is the best way to get the protection you need at an affordable price. Our brokers walk you through an insurance coverage plan, so you know what insurance options you carry in the event of an insured loss.
Alberta ATV Insurance Coverages:
ATV insurance can insure your ATV up to a specific amount if it’s damaged or destroyed in an insured loss. Like an automobile policy, an ATV insurance policy may include protection for physical damages because of a collision, theft, vandalism, fire and more. Your typical recreational and utility ATV will range in price between $5,000–$15,000 or more. For ATVs on the higher end, the repair or replacement costs can be quite high.
ATVs aren’t generally used on public roads but can still cause injury to passengers, other riders or pedestrians and can leave you with hefty lawsuits or medical expenses. The cost of a liability claim for bodily injury or a fatality can be tremendously expensive. We recommend purchasing at least $2 million in liability coverage to defend yourself from unexpected claims.