La Capitale

By La Capitale

November 19, 2018


ATV accident: are you covered?

Article revised on 18 March 2021

Whether it’s to go hunting, fishing or on a hiking trip, the all-terrain vehicle has a growing fan base in Quebec. Although ATVs are very safe, even the most careful drivers can get into an accident. That’s why it’s vital to properly insure your ATV before venturing out into the great outdoors.

ATV insurance: how to navigate through it

Civil liability insurance

Quebec laws require that an ATV owner take out civil liability coverage. A minimum of $500,000 is recommended to ensure adequate coverage. This way, if you are involved in an at-fault accident and injure someone, on a trail, your civil liability insurance can pay for the injuries caused to others if you are held responsible. That’s why insurers strongly recommend taking out a civil liability limit of $2 million to cover all your bases.

Note that the Société de l’assurance automobile du Québec (SAAQ) does not compensate victims if the accident occurs on a public road.

Why pay for vehicle registration?

Registration is mandatory and is used to compensate victims from accidents occurring on public roads. The money is also used to set up or continue funding financial assistance programs including: assisting off-highway vehicle clubs, developing and maintaining infrastructures for off-highway vehicles, and preserving wildlife and wildlife habitats[1].

Coverage for damage to the vehicle

Civil liability insurance does not cover damage to ATVs. Basic coverage for ATV insurance are similar to those offered for cars. For example, “collision” insurance covers your own damages if you should ever lose control of your vehicle or an accident with another ATV.

Comprehensive insurance will cover you in the event of fire, theft, vandalism and other perils. If you wish to lower your insurance costs, you should think about the “Various perils” coverage. You will then be covered for fires and theft, but other perils, such as vandalism and glass breakage (windshield), will be excluded.

How to calculate the cost of insurance?

Each insurer has its own formula! For example at La Capitale, we have developed a personalized rating method that factors in the following:

  • Engine strength
  • ATV category
  • How much the vehicle is used
  • Driver’s age
  • Driver’s experience
  • Territory

The deductible amount also impacts the cost of insurance. The deductible is the amount you must pay in the event of a loss. The higher your deductible, the lower your premium, and vice versa.

Additional coverage

1. If you recently purchased a vehicle, the “replacement value” coverage is an interesting option. This coverage (also known as endorsement or Q.E.F. No. 43) will entitle you to a reimbursement based on the price you paid. When necessary, damaged parts will be replaced by new parts.

2. The “Life and Health” insurance coverage (endorsement or Q.E.F. No. 34) reimburses certain medical expenses. This additional coverage also provides for the payment of an amount to your estate in the event of death.

Happy trails!

[1] Source: An Act respecting off-highway vehicles, Chapter VI.1

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