ATV and snowmobile insurance
Enjoy the adventure, we’ve got you covered.
Flexible ATV and snowmobile insurance
Get coverage tailored for wherever you roam. At Co-operators, we’ll build a policy that meets the specific needs of all-terrain vehicle (ATV) and snowmobile riders like you.
What we cover
ATVs
ATVs include vehicles such as sport, utility, side-by-side and youth ATVs. They may have four or more wheels, and are designed for conquering various types of off-road terrain and trails.
Snowmobiles
Designed exclusively for travel on snow and ice, snowmobiles are typically used on trails and private property. They include trail, sport, touring, crossover and utility snowmobiles.
Get our best price for the coverage you need
Here’s how you can save on ATV and snowmobile insurance:
Ask about our discount for hybrid and electric vehicles
Do you drive a hybrid or electric ATV or snowmobile? You may be eligible for an automatic discount on your premiums.
Insure more than one vehicle with us
Have more than one vehicle? Get better rates when you bundle and insure them with us.1
Ask about our multi-product discount
Also shopping for home or life insurance? Save more when you bundle your policies.1
Take advantage of group insurance
Does your employer offer group auto insurance from us? Group members can save up to 40% when they switch to Co-operators. Get a group auto insurance quote
Maintain a clean driving record
Do you have a clean driving record with no history of convictions or licence suspensions in the past three years? You may be eligible for an automatic discount. Connect with us to find out how you can save
Explore our coverage
Mandatory coverage
In Canada, we don’t have a one-size-fits-all plan for ATV and snowmobile insurance. Your minimum coverage depends on where you live. Find out how insurance works where you live. Here’s a quick look at some of these types of coverage:
Accident Benefits
Accident Benefits cover medical expenses, income replacement or funeral costs in case of an accident.
Direct Compensation Property Damage
If you’re in an accident that’s not your fault, this coverage takes care of your vehicle and everything in it.
Liability
Covers your obligations for causing injuries or property damage if you're found responsible for causing an accident.
Uninsured Automobile
Ever wonder who pays the damages if you’re involved in an accident with an uninsured driver? This coverage helps take care of the costs arising from injury, or worse.
Extra coverage
Want added peace of mind? You can increase the amount of coverage on your vehicle, or you can add on additional coverage. Options vary by province. Here are some optional types of coverage to explore:
Collision
Comprehensive
Depreciation Protection
Riding Gear Endorsement
2 Comprehensive doesn’t insure your vehicle against theft if a member of your household steals your vehicle, or if an employee whose job involved using or maintaining the vehicle steals it.
Discover more coverage
Talk to us today
Call or meet with us to get the right ATV or snowmobile insurance for you.
1 All bundled savings are based on filed discounts and rates. Savings vary based on each individual’s insurance profile and are not guaranteed. Savings vary by province. The advertised bundled offer applies when you bundle recreational vehicle, home and auto insurance. It includes a welcome discount for new home and auto insurance clients, a claim free discount for home insurance clients and a conviction-free rating (in ON) or conviction-free discount (in NS, AB, NB and QC) for auto insurance clients. For home insurance clients, the welcome discount is available only for homeowners (excluding condominiums, mobile homes, seasonals and rented properties). The conviction-free rating or discount is available on private passenger vehicles and requires all drivers to have no minor/major and/or serious/criminal code convictions and no demerit suspensions in the preceding 3 years. Certain conditions, limitations and exclusions may apply. To be eligible for the claims free discount, you must have been with your current provider for a period of 5 years. If you have not been with your current provider for 5 years, you must be claims free with your other providers for the preceding 5 years. Contact a licensed Co-operators representative for detailed information about how savings could apply to you.