We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable ATV insurance coverage tailored to you with Brokerlink.
Owning and operating an all-terrain vehicle (ATV) is a common occurrence for Burlington residents living in both the suburbs and rural areas. Whether you like to ride for fun, use an ATV to do chores, or travel when you're up at your cabin, ATV ownership comes with real risks. From theft to collisions and injury lawsuits, these incidents can cost thousands of dollars out of your own pocket. According to Ontario law, you must carry liability coverage for all off-property riding, but smart owners add more. With customized ATV insurance in Burlington, you can protect your ATV, interests, and finances in the event something unexpected happens, so you get back out into nature with confidence.
Get a free Burlington 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 designed to protect both you and your vehicle when you venture beyond your backyard. It typically covers you beyond how a personal auto insurance plan would in Ontario. For example, there are certain mandatory coverage options you will need to purchase, along with optional policies you can add to your plan for further protection. The nice thing about ATV insurance is that the policies you choose are completely customizable to fit your ATV, riding style, and hazards you face. Key features of ATV insurance include:
In Ontario, you’re legally required to purchase ATV insurance if you ride off private property, including trails, parks, or other public land. If you live in Burlington or the surrounding Halton Region, having ATV coverage is especially important because everyday risks can add up quickly, from theft to unpredictable trail conditions.
ATVs stored in driveways, garages, or trailers can be targets for theft, and transporting your ATV to trails or cottage country increases the chance of damage in transit. On the trails, hazards like rocks, tree roots, narrow paths, and collisions with other riders can cause serious damage or injuries in seconds. Burlington also sees weather swings, summer storms, strong winds off Lake Ontario, occasional hail, and winter freezing conditions, which can damage your ATV and make riding more dangerous. If you carry passengers or let others ride your ATV, liability exposure increases too, and even a minor incident can lead to expensive claims.
If you want to use your ATV beyond your personal property line, you'll need to purchase the following mandatory coverages:
Third-party liability insurance
Accident benefits coverage
Uninsured motorist insurance
Collision coverage
Comprehensive coverage
Accessory insurance
Trailer insurance
Loss of use
Seasonal lay-up endorsement
Third-party liability coverage protects you if you cause bodily injury or property damage to a third party while operating your ATV. For example, if you take your ATV out to Upper Canyon or Lymie Ridge and you accidentally collide with another ATV on the trail, injuring the driver and damaging their ATV, this policy will cover the cost of repairs, replacements, medical expenses, legal fees, and settlement costs. A minimum of $200,000 in liability is required, but more rides opt for limits up to $1 or $2 million.
Accident benefits coverage comes in handy if you or your passengers are injured in an ATV accident, regardless of fault. This policy will cover you for medical expenses and rehabilitation costs not covered under Ontario Health Insurance (OHIP), ensuring you can recover without financial stress.
Uninsured motorist insurance protects you if someone without insurance or insufficient insurance hits you, or if you are involved in a hit-and-run collision, ensuring you're not on the hook for impending repair or replacement expenses.
Collision coverage covers damage to your own ATV if you are involved in an at-fault collision. All you'll need to pay out of pocket is your deductible, and any remaining repair or replacement costs will be covered by your insurance provider.
Comprehensive insurance covers repair and replacement expenses that arise from non-collision-related damage to your ATV. This includes theft, vandalism, fire, falling or flying objects, and severe weather damage.
Accessory insurance policies protect any personal belongings like racks, GPS units, LED lights, snow plows, bars, winches, etc., if they are damaged or stolen from your ATV.
A trailer insurance policy will cover your trailer when you are hauling your ATV, including while in transit and when parked. So, if you go to your cottage often or like to explore different trails around Burlington, this policy is highly recommended.
Loss of use coverage will compensate you in the event your ATV is damaged and in the repair shop, by covering the cost of a rental or replacement vehicle during this time. This is especially important for Burlington drivers who use ATVs for commercial purposes.
Seasonal lay-up endorsements can be added to your plan when you buy insurance. The purpose of this endorsement is to reduce your coverage to fire, theft, vandalism, and weather damage while you store your ATV in the winter or off-season so that you can cut down on premium costs.
Let us be your resource for all things ATV insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
12723+ Reviews
Average rating of 4.6
Everything went perfectly including prompt follow up.
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
The timely personable assistance provided was exceptional. I received answers to questions and issues resolved in minutes. I couldn’t have asked for more friendly and professional help.
Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
Finding the right coverage for your ATV doesn't mean you have to break the bank. There are ways you can reduce your insurance rates without sacrificing the level of security you have. Here are some practical tips you can use to keep more money in your pocket while remaining confident in your insurance plan:
When you buy insurance, consider bundling your home insurance, car insurance, tenant insurance, and ATV insurance in Burlington with the same auto insurance company to receive up to 15% off your premium.
Taking an approved safety course with an accredited education centre can qualify you for up to a 5% discount on your insurance rates, as long as you successfully pass the course and show proof of enrolment to your insurer.
Installing anti-theft devices on your ATV and keeping it stored in a locked garage with an alarm system and security cameras will help reduce your risk exposure and potentially qualify you for a discount with your insurance company.
Whether you own a business or have a large family with multiple ATVs, consider bundling your vehicles under the same insurance plan. Opting for a multi-ATV insurance policy can qualify you for savings with your insurance provider.
Insurance brokers work independently from insurance providers, which gives them the ability to shop around, compare prices from different insurers, answer your questions, and help you find the best coverage for your needs. The best part of all? Brokers in Canada are paid directly by the insurance company, so you can access their services for free!
A deductible is the amount of money you need to pay to your insurance provider when filing an insurance claim before your policy kicks in to cover the rest. By opting for a higher deductible, you can lower your premium slightly. But you will be responsible for more out-of-pocket expenses should you need to submit a claim.
Opting for a seasonal lay-up endorsement on your insurance will remove your liability insurance but keep your comprehensive insurance, which will lower your premium, while still ensuring you have financial security needs should something happen.
Insurance providers add a surcharge to customers who make monthly payments toward their premiums, as it costs them money to process each payment. To avoid these surcharges, consider purchasing your coverage upfront instead.
Insurance companies don't just pull rates out of nowhere. When it comes to the price of your Burlington ATV insurance premium, your rates will vary based on numerous factors that will determine your overall risk profile. Similar to how auto insurance works, the higher your risk profile, the more expensive your rates will be, and vice versa. The most common factors an insurance provider will look at when calculating your risk profile include:
Not all ATVs are created the same, and insurers know this. For example, sports quads are known for their speed and agility, which can make your riding experience exciting, but also dangerous, which will increase your rates. On the other hand, utility ATVs used by farmers tend to have lower accident risks because they are often used for chores instead of racing and trail riding.
The higher cc your engine has, the faster and more powerful your ATV is, and the greater your risk exposure. For example, a 1000cc sports ATV is riskier than a 250cc ATV, which means higher premiums. Similarly, an ATV worth $15,000 will be more to insure than a $4,000 model.
Young riders, specifically under 25, will pay more for their insurance because statistically, they are more involved in accidents. Older, more experienced riders in Burlington with a clean driving record often qualify for lower rates.
Where and how you use your ATV also matters. If you frequently use your ATV on trails through Halton, Muskoka, or Kawarthas in Ontario, you are at more of risk of getting into an accident, given how rocky and forested these areas are.
Farm use, on the other hand, is less of a risk as the vehicle typically stays on private land and is used for chores. Likewise, if your ATV is only used in the summertime while you're up at your cottage and is stored all winter, your premiums will also likely be lower compared to someone using their ATV year-round.
Storage plays a big factor in theft risk. Storing your ATV in a locked garage or shed will yield lower premiums, especially if you have anti-theft devices in place. Leaving your ATV out on your driveway or outdoors, however, can increase your theft risk and increase your insurance rates.
If you have numerous claims on your insurance history in recent years, you are more likely to file a claim in the future, according to insurance providers in Burlington. This means the more claims you have on your file, the more of a risk you are, which will lead to higher premiums. In contrast, if you have a clean claims history, your insurance rates will be lower.
A higher deductible means you will pay more out of pocket when filing a claim, but your premium will be lower. Opting for a lower deductible means your premiums will be higher, but you'll save money on your monthly payments.
At the same time, choosing additional insurance policies and higher coverage limits, like $2 million in liability protection instead of the required $200,000, will cost more, but offers significantly better financial protection.
Where you live also influences premiums. Burlington is a relatively safe community. However, it is located close to more urban areas, which may increase your risk of theft. Ultimately, insurance providers will look at local theft trends and other local risks to determine your risk exposure.
Do you have more information about ATV insurance in Burlington? We've got answers. Here's some additional information you should know about:
When you insure your ATV in Ontario, one thing you'll need to review is the details of your policy, specifically how your payment is calculated if your ATV is damaged, stolen, or written off. This all comes down to whether your policy is based on a replacement cost or an actual cash value (ACV).
With replacement cost, your insurer will pay you what it would cost to buy a new, equivalent ATV. It doesn't matter the age or current condition of your ATV; you'll get enough money from your provider to replace it with a brand-new model of the same make and specifications. Note, however, that while this type of policy offers more compensation, it will increase your premium.
Most standard insurance plans for ATVs come as an actual cash value policy. With this coverage, your payout reflects the current market value of your ATV at the time of the loss, and factors in depreciation. While you won't be compensated for the price of a new ATV, meaning a lower payout, you would have a more affordable insurance premium.
If your ATV is damaged, stolen, or involved in a collision, here's how the claims process will look:
Your ATV is more than a vehicle. Whether you're trail riding in Halton, hauling gear to your cabin on the lake, or using your quad on your rural property, you deserve peace of mind knowing you're covered.
At BrokerLink, our brokers make finding the right insurance for your ATV easy. We've got access to numerous policies and can customize a plan to fit your unique needs for the right price. Unlock savings, have your questions or concerns answered by an industry professional, and feel at ease knowing your interests and finances are protected with BrokerLink.
Are you ready to ride with confidence? Contact a BrokerLink broker over the phone or by email to speak with someone directly. You can also get a free insurance quote right now using our online quote tool!
Visit a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
About us
Yes, Ontario law requires you to purchase insurance if you plan on using your ATV anywhere other than your own property. You must have at least $200,000 in liability coverage, along with accident benefits and uninsured motorist insurance. Riding without insurance can lead to fines, license suspensions, and severe financial consequences if something happens.
Not automatically. You will need to add accessory coverage to your plan to ensure your winches, racks, and other accessories are protected.
Yes. If you use your trailer to transport your ATV to local trails, your cottage, or to a job site, you can purchase trailer insurance. This will protect the trailer itself and your ATV while it is on it.
Yes, many insurance policies in Ontario allow seasonal lay-up endorsements. This means during the winter months, when your ATV is stored, your policy can switch to fire and theft coverage only, to reduce your premiums.
No. Your home insurance and car insurance policies do not extend to your ATV. You will need to purchase separate coverage.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Car Insurance
Home Insurance
RV Insurance
Apartment & Tenant Insurance
Condo Insurance
Motorcycle Insurance
Boat Insurance
Insurance bundle
Pet Insurance
Life Insurance
Travel Insurance
