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Whether you're riding along Bragg Creek's ATV trails or transferring your ATV up to your cabin near Lake Louise, insurance is a non-negotiable. In Alberta, liability coverage is legally mandatory if you plan on using your ATV on public property and roadways. But, even on private property, risks of collisions, theft, and injuries still exist. With Calgary's proximity to Kananaskis, the Trans-Alta route, and other popular backcountry trails, ATV insurance helps protect your investment, passengers, and finances in the event of an accident.
Head out into your next adventure knowing you're fully covered. Get a free Calgary ATV insurance quote with BrokerLink today.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
All-terrain vehicle (ATV) insurance is a specialized type of insurance that provides financial protection to owners of off-road vehicles, including quads, utility task vehicles (UTVs), and side-by-sides. Unlike standard car insurance, this coverage is specifically tailored to vehicles used on non-paved terrain and other off-road conditions. ATV insurance coverage applies when your all-terrain vehicle:
Is used on public land and roadways or is being transferred between locations.
Used on provincial trails, municipal trails, and other Crown-owned land.
Stored during the off-season.
One thing to note is that ATV owners often believe that their ATV is automatically protected under their home insurance or car insurance policies. But this is not the case. Separate insurance is required.
If you ride your ATV off private property, you must carry liability insurance. You may be asked by a provincial officer for proof of insurance coverage when you are out on the trails. Failure to provide proof of valid ATV insurance coverage can lead to expensive fines. Beyond legal requirements in Alberta, owning and operating an ATV in Calgary comes with unique challenges and risks:
Theft and vandalism: If you live in a suburban or semi-rural property around Calgary and leave your ATV unattended on your lot, you could be a target of theft.
Collisions: ATV trails across the province are busy, especially in the summer time. The more people out riding, the more at risk you are of being in an accident with another off-road vehicle, wildlife, and other obstacles like tree roots.
Transportation damage: Your ATV is vulnerable while attached to your trailer, whether it's theft or damage from an accident.
Liability exposure: If your ATV injuries another person or damages their property, lawsuits can cost you thousands of dollars in out-of-pocket expenses.
Medical and repair costs: Because ATVs lack safety features, injuries and repair expenses can escalate quickly.
According to Statistics Canada, there were 64 ATV-related deaths between 2016 and 2020. By purchasing ATV insurance coverage gain financial and legal peace of mind.
ATV insurance in Calgary is mandatory if you plan on using your recreational vehicles in public. However, there are also optional coverages you can add to your insurance package to supplement the basic protection you receive:
Third-party liability coverage
Accident benefits coverage
Uninsured motorist insurance
Direct compensation - property damage coverage
Collision coverage
Comprehensive coverage
Accessory coverage
Trailer insurance
Loss of use coverage
Agreed value insurance
Seasonal lay-up insurance
Third party liability insurance kicks in if you injure someone or cause property damage to a third party while operating your ATV. For example, if you're riding down your neighbourhood street and hit your neighbours vehicle, causing damage, third party liability will kick in. Should a lawsuit be filed against you, this policy covers medical expenses, repairs, replacements, legal fees, and settlement costs.
A minimum of $200,000 in liability insurance is legally mandated. However, most ATV owners opt for limits up to $1 or $2 million for added peace of mind.
Accident benefits insurance is automatically included in your ATV insurance package. With accident benefits, you and your passengers will receive compensation for medical bills, rehabilitation loss, and income replacement if you are involved in an ATV accident that causes injuries, regardless of who is at fault.
Uninsured motorist insurance offers you financial protection if you are hit by an uninsured or unidentified motorist, ensuring you're not left paying out-of-pocket for expenses following your accident.
Some insurance companies extend DCPD insurance to off-road vehicles in Alberta. This means that if another ATV rider is at fault for a collision, your insurance company will pay for your damage.
Collision coverage will cover the cost of repairs and replacements resulting from at-fault collisions with your ATV. For example, if your ATV hits another quad, rolls over, flips, or crashes with an object while you're out exploring the Lille Ghost Town Trails, your collision insurance has got you covered. The only expense you'll be responsible for is your deductible.
Comprehensive coverage protects you against non-collision damages to your ATV. For example, ATV insurance covers theft, vandalism, fire, falling or flying objects, and severe weather damage. For example, if your ATV is damaged beyond repair in a house fire, this policy will compensate you for a replacement ATV.
Does your ATV have aftermarket accessories like GPS trackers, LED lights, upgraded tires, a sound system, and winches? If so, you may want to consider accessory ATV insurance. This policy will cover the cost of repairs or replacements of your items if they are damaged or stolen from your ATV.
Trailer insurance covers damage to or loss of your trailer that is used to haul your ATV. For example, if you are driving from Calgary to your cabin in Banff for the weekend and you get into an accident while your ATV is attached to your trailer, this policy will cover your repair costs following the accident, including those to repair your trailer.
Loss of use ATV insurance will pay for a rental off-road vehicle if your ATV is being repaired following a covered loss. This policy is especially helpful if you use your ATV for business purposes like guided ATV excursions or farming.
Most ATV insurance policies are actual cash value policies, meaning if your ATV is a total loss following a covered event, your insurance company will compensate you for the depreciated value of your quad, which typically means a lower payout. By adding an agreed value endorsement to your plan, your insurance provider will compensate you a sum of money you agreed on in advanced, which can be beneficial if you have a higher-end ATV.
Seasonal lay-up insurance allows you to drop your liability protection in the wintertime while maintaining your comprehensive coverage while your ATV is stored during the off-season. This allows you to reduce your premium, while still protecting your ATV from theft, vandalism, fire, and other non-collision-related damage.
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ATV insurance costs in Calgary can vary widely depending on several factors. On average, you can expect to pay around $596 per year. While this is still relatively affordable, there are ways you can lower your premiums even more. Here's how you can save on your insurance rates without cutting back on your coverage:
Bundle your ATV insurance, auto insurance policy, homeowners coverage, and other insurance products with the same insurance company to save up to 15% on your premium.
Most insurers offer other off-road vehicle insurance discount. Whether its for being a loyal customer, remaining claims free, or being a part of a recognized ATV club, you can potentially save another 5% on your premium simply by asking whether you qualify!
Safety training isn't just a way to become a more responsible rider, it's always a discount opportunity. The National Institutes of Health (NIH) reports that those who completed an ATV safety course were less likely to engage in risky behaviour and be involved in a collision than those who did not. Therefore, some providers will offer saving opportunities to those who complete an accredited course.
A deductible is the amount you pay to your insurer when filing a claim, before your all-terrain vehicle (ATV) insurance kicks into cover any remaining costs. By increasing your deductible from $500 to $1000, or higher, you can lower your premium slightly. However, you will need to pay more out of pocket should you need to file a claim in the future. So, choose your deductible carefully.
Theft and vandalism are becoming more frequent in southern Alberta. According to the Calgary Police Service, property crimes, including vehicle theft increased by 5.8% year-over-year in 2024. By installing anti-theft devices on your quad, such as an alarm system, GPS tracker, wheel locks, and storing your ATV indoors, you can reduce your overall risk profile by making you less prone to theft. In return, most insurers will provide a discount on your rates up to 5%.
Insurance providers often add a fee to your insurance rates if you choose to pay for your ATV insurance monthly, rather than in one lump sum payment. This is because it costs your insurance company money to process each of your 12 payments. Therefore, you can avoid these surcharges by choosing to pay for your ATV insurance in one go.
Insurance brokers work independently from insurance providers. This allows them to shop around, compare quotes, coverage options, answer questions, and customize insurance packages tailored to your unique needs. The best part of all is that brokers are compensated directly from providers, so you can access their services free of charge at any time.
Your ATV insurance raters aren't random. They're based on measurable risk factors that make up your customer profile. The higher risk you are, the more you can anticipate paying for your coverage. In contrast, the lower your overall risk profile is, the more you'll save. Here is a closer look at some of the factors an insurance provider will consider:
Different ATV models carry varying risk levels. For example recreational quads and youth ATVs tend to have lower claim rates, given their lower speed and capabilities. In contrast, high-performance sports ATVs like a Polaris Scrambler XP tend to be more expensive to insure due to their higher speeds and accident severity.
The larger your engine size and the newer your model year, the more it will cost to repair or replace in the event of a total loss. For example, ATVs with 1000cc with premium accessories will cost more to insure compared to a quad with a 400cc engine size with basic accessories.
Just like with auto insurance, your personal diving record will affect your ATV insurance rates. Those with numerous accidents and violations on their record will experience higher rates compared to safer riders with little to no violations or accidents.
Where your ATV is stored also matters. If you store your ATV in a locked garage with an alarm system, you'll tend to qualify for better rates than someone who leaves their ATV outdoors that's exposed to weather elements and theft risks.
Insurers will assess how often you use your ATV and where you ride your ATV. If your quad is occasionally for recreational use along McLean Creek Trail, you'll likely pay less for coverage compared to someone who uses their ATV for work-related activities on their property. Similarly, the more often you ride, the more exposed to risk you are and vice versa, which will also be considered.
Your postal code impacts premiums as well. ATV owners in rural areas outside of downtown Calgary may face higher theft risk compared to those located in suburban areas with secured garages. However, urban premiums can also increase if you frequently haul your ATV on busy highways in and out of the city.
The more claims you have on your insurance history, the more likely you are to file another in the future, which will increase your overall risk profile as a client, leading to more expensive premiums. In contrast, riders with no previous claims on their insurance history can qualify for savings with their provider.
The more coverage you choose and the higher your coverage limits, the more your insurance will cost. However, you will receive more financial protection in the event you need to file a claim.
Whether you've been in an ATV accident before or not, knowing how to navigate the claims process is key. Here's what you need to do:
Check for any injuries: The first thing you need to do is check yourself and others for injuries. Call 911 if you need medical assistance.
Take photos and videos: Now, you'll want to take photos and videos of the damage and surrounding area. The more evidence you provide, the easier it will be for your insurance company to approve your claim.
Exchange contact details: If there are other parties involved, exchange information with them.
Contact your insurance company: Once things have settled down and you've made it home, you need to contact your provider as soon as possible. Waiting to contract your insurer can work against your claim.
Get an adjuster: Now that your provider has been made aware, an adjuster will be assigned to your file. At this time, you'll need to submit your documents and evidence to them to review.
Get an estimate for repairs: If your ATV was damaged in the accident, you'll need to get an estimate for repairs. Your adjuster may provide you with a list of approved mechanics you can reach out to.
Have your ATV repaired: Once the quote has been approved by your insurance adjuster, you can have your ATV repaired.
Receive compensation form your provider: After all repairs are completed, your insurance company will provide you with compensation for your costs.
Sign release forms: At the end of your claim, you'll need to sign release documents, which basically state that once signed, you will no longer be able to pursue compensation for your claim.
Have any questions about your claim? Contact a BrokerLink advisor for more information!
Owning an AVT comes with the promise of adventure. But every ride carries risk. Whether you're exploring McLean Creek Trails, hauling your ATV up to your cabin for the long-weekend, or travelling along rural public roads, having the right insurance in place is essential.
Whether you're thinking about buying an ATV, or looking to renew your coverage, the experience brokers at BrokerLink are here to help. We've got access to some of the top insurance providers in Canada and can help you find the right coverage for your quad and riding style.
Contact BrokerLink over the phone or by email to speak with an insurance broker directly. You can also get a free ATV insurance quote right now using our online quote tool!
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Yes. In Alberta, anyone who is operating an ATV on public land, trails, or public roads must carry a minimum of $200,000 in liability insurance. Riding without coverage can lead to serious fines and other consequences.
Yes, you can "pause" your insurance in the winter time. Most ATV owners add a seasonal lay-up endorsement to their ATV insurance plan. With this coverage, your liability protection will be suspended, while your comprehensive coverage is maintained to protect your ATV from theft, vandalism, fire, and weather conditions.
Yes, but only if you add comprehensive coverage to your standard ATV insurance plan. Without it, you'd be responsible for any expenses that may arise from the theft of your ATV.
Yes, you can insure ATVs under the same plan. This can be especially beneficial for households that own more than one off-road vehicle. By insuring all your ATVs under a single plan, you can qualify for a discount on your coverage, and streamline your coverage management.
No. ATV's, UTV, and other off-road motorized vehicles are not covered under standard car insurance in Alberta. You will need a separate insurance policy to ensure you're protected in the event of an accident or loss.
They can be, but only if you add accessory insurance to your plan, which is optional. With this coverage, your after-market upgrades and items will be protected in the event of damage or loss.
No, your home insurance will not cover your ATV, even if it is stored in your garage. If your ATV is damage or stolen form your garage, you will need to have separate off-road vehicle insurance in place before you are compensated.
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