ATV Insurance in Manitoba

Basic ORV registration also includes underinsured motorist coverage, which can step in if the other driver doesn't have enough coverage or has no insurance at all. You automatically receive the same amount as your third-party limit. Basic starts with $500,000.

Basic ORV registration does include personal injury benefits for you as the rider, but only if your ATV collides with a registered road vehicle while it's moving. If you're involved in an accident involving a moving registered automobile, your Personal Injury Protection Plan (PIPP) can help cover your medical care, rehabilitation, and income replacement if you're not able to work.

Many ATV injuries happen off the trail without another vehicle in sight. That’s where accident benefits come in. This coverage can help you pay for your hospital bills, physiotherapy, or even cover part of your income if you’re too injured to work. Many riders add this option because off-road crashes can be serious, and Basic Autopac alone won’t cover those costs. Typically, accident benefits includes rescue expense coverage.

Collision coverage applies if your ATV is damaged in a crash with another ORV, automobile, or a stationary object, like a tree, guardrail, fence, or pole. For example, if you lose control of your ATV while riding through Sandilands Provincial Forest or at Rock Road ATV Park and damage your ATV, without this coverage in place, you'd be responsible for paying out of pocket. Collision coverage covers the cost of repairs or replacement, minus the deductible you select.

Depending on where in Manitoba you're located, you likely won't be using your ATV daily, unless you operate an ATV or farming business. That means your ATV will likely be parked somewhere on your property, which can make it vulnerable to non-collision damage and other risks, like theft, vandalism, fire, or severe weather. This coverage is ideal for riders who store their ATVs at seasonal cabins or outdoors, where the risks of damage are greater. It can help cover the repair or replacement of your ATV, minus your deductible.

If you have purchased a new ATV, you may be able to add a replacement cost endorsement to protect your investment. Typically, this endorsement ensures that if your machine is written off within the first two years, your insurance provider will pay out the actual cost of a brand-new replacement rather than the depreciated value. A vehicle inspection may or may not be required. This allows you to ensure that your investment is protected.

While others can't sue you in Manitoba for liability involving your automobile, they absolutely can when it involves an ORV like your ATV. This means the standard $500,000 in liability coverage may not be enough in the event that you cause a major accident or damage. If you're looking for more protection, your autopac agent or broker can help you increase your liability limit to $1 million, $2 million, or even $5 million. This will also increase your underinsured motorist coverage.