Gear Up for ATV Season: Insurance, Maintenance, and Safety Tips

As winter snow becomes a distant memory and the trails reopen across Canada, you’re probably eager to get back on your all-terrain vehicle (ATV) and hit the dirt. Before you do, it’s important to be prepared—not just with a well-maintained vehicle, but also with the right insurance coverage. ATV insurance can help protect you from unexpected events, whether it’s an accident, theft, or off-road damage. In this guide, we’ll cover key ATV insurance considerations, vehicle maintenance tips, and safety advice to help ensure a worry-free riding season. 

ATV insurance isn’t just a smart investment—it’s a legal requirement. Unless you ride exclusively on private property, ATV insurance is mandatory in Canada if you’re riding on public roads, highways, or designated trails. ATV insurance works similarly to car insurance, offering base coverage and optional add-ons. Since not all insurance providers offer ATV coverage, shopping around is key—your local Surex advisor can help you compare policies and find the best coverage for your needs.

If you plan to ride your ATV on public roads, highways, or trails, the following coverages are mandatory: 

1. Third-party liability: Covers damages or injuries you cause to others while operating your ATV. This protects you financially if you're found responsible for an accident that results in property damage or bodily injury. 

2. Accident benefits: Provides medical and rehabilitation coverage if you or others are hurt or killed in an ATV accident, regardless of fault. This coverage helps with medical expenses, lost income, and other necessary recovery costs. 

3. Uninsured automobile coverage: Protects you if you're involved in an accident with an uninsured or unidentified driver, such as in a hit-and-run situation. It can help cover medical expenses and vehicle damage, up to your policy limits. 

Choosing the right all-terrain vehicle coverage depends on how, where, and how often you ride. Whether you’re a weekend trail rider or using your ATV for work, the right coverage ensures you’re protected from unexpected risks. Here are key factors to consider when selecting a policy:

• Type of ATV: A recreational ATV used for trail riding may require different coverage than a utility ATV used for farm work or commercial purposes. Some insurers offer specialized policies based on ATV type. 

• Frequency of use: If you only ride occasionally, a basic policy with mandatory coverages may be enough. Frequent riders may benefit from comprehensive or all perils coverage for added protection. 

• Terrain risks: Where you ride matters. If you stick to open fields, the risks differ from navigating rocky terrain, wooded trails, or areas prone to flooding, which may increase the chance of damage. 

• Storage and theft risk: ATVs are commonly targeted for theft, especially if stored outdoors or in remote locations. Comprehensive coverage can help protect against losses due to theft or vandalism. 

• Passenger coverage: If you often ride with a passenger, consider optional coverage that helps cover medical expenses in case of an accident. 

With so many coverage options, it’s important to choose a policy that fits your riding style and risk level. Not sure what you need? A local Surex advisor can help you compare policies from top Canadian insurers to find the best fit for you.  

Before taking your ATV out for the first ride of the season, a thorough check can help ensure your vehicle is in top shape and that you’re properly prepared for the trails. Use our handy checklist to stay safe and ready for your off-road adventures.

Pre-season ATV checklist 

Before hitting the trails, make sure your ATV is in top shape and that you’re fully prepared for a safe and enjoyable ride. Here’s what to do before your first outing of the season: 

Perform a post-winter inspection  

▢ Test the battery to ensure it holds a charge after months of inactivity. 

▢ Check fuel lines and fluid levels, as old fuel can cause engine issues.  

▢ Inspect brakes for wear, rust, or reduced responsiveness.   

▢ Examine frame and suspension for rust, cracks, or damage from winter moisture and road salt. 

Gear up with proper safety equipment 

▢ Wear a helmet that fits properly and meets provincial safety standards.  

▢ Wear protective clothing, gloves, and sturdy footwear to reduce injury risk. 

▢ Use goggles for eye protection, especially on dusty or muddy trails. 

Review trail access and weather conditions  

▢ Check trail maps, local regulations, and permits (if required by your province) before heading out. 

▢ Look up the weather forecast to avoid unsafe driving conditions.  

▢ Ensure your ATV is properly registered in your area, if required.  

Prepare for emergencies 

▢ Pack a first-aid kit, extra water, and essential survival gear.  

▢ Bring a GPS or trail map, especially if riding in remote areas.  

▢ Inform someone of your planned route and estimated return time. 

▢ Carry a charged phone or emergency radio in case of unexpected issues. 

Given Canada’s harsh winters, many ATV riders store their vehicles for months at a time. Proper storage and seasonal insurance adjustments can help protect your ATV while saving you money during the off-season.

Some insurance providers may allow you to pause or reduce coverage during the off-season to lower costs. This could involve: 

• Pausing liability and collision coverage if the ATV won’t be in use.
• Reducing coverage to comprehensive-only to protect against theft, fire, or vandalism while stored.  

Taking a few proactive measures in the off-season can help ensure your ATV is ready to ride when the trails open again. Here's how to keep it in top condition during winter storage:

• Store it in a garage or shed to protect against harsh weather and moisture damage.
• Use a high-quality ATV cover if indoor storage isn’t available.
• Elevate the ATV slightly or move it periodically to prevent flat spots on the tires.
• Disconnect the battery and store it in a cool, dry place to avoid drainage over winter.
• Add fuel stabilizer and check fluids to prevent engine issues when restarting. 

Bundling your ATV and car insurance under one provider can help you save money, simplify policy management, and enhance coverage benefits. Many insurers offer multi-policy discounts, helping you save up to 20%. Beyond savings, bundling makes managing policies easier, with a single renewal date, streamlined claims process, and potential deductible reductions. It can also offer higher coverage limits, ensuring better financial protection for both your ATV and car. 

Not all insurance providers offer ATV coverage, so it’s important to compare your options. Your local Surex Advisor can help you find the best bundling opportunities and maximize your savings. 

ATV insurance is essential for protecting both your safety and your finances. Having the right coverage ensures you're prepared for unexpected accidents, liability risks, and theft, so you can focus on enjoying the trails. Spring is the perfect time to review your current policy or get a new quote. Surex is here to help you find personalized coverage that fits your needs.

Learn more about ATV insurance or find the best insurance rates by starting a quote.