Hit the trail with confidence

Get a quote and buy online Get a quote and buy online 1-877-757-2893 1-877-757-2893

Why ride with us?

Our coverage is designed to meet the specific needs of ATV riders. With Co-operators, you can purchase a flexible, stand-alone ATV policy, or you can increase your savings by bundling with a home or auto policy.

What’s covered on and off the road?

Our tailored and affordable ATV insurance protects you through:

Third-Party Liability to cover your obligations for causing injuries or property damage.

Accident Benefits to provide medical-expense and loss-of-income payments, regardless of who was at fault in an off-road collision.

Uninsured Auto to cover your expenses if you’re injured by a fleeing or uninsured rider.

Direct Compensation Property Damage to compensate you for damages to your ATV if you are not at fault.

Collision coverage to repair or replace your ATV if it is damaged in a collision.

Comprehensive coverage to protect against non-collision related losses to your ATV, like from theft, fire or flying objects.

New: Riding gear coverage to replace up to $5,000 of ATV riding gear, like helmets, eyewear or airbag vests, after an insured loss.

New: Depreciation coverage to help cover the replacement costs of a new ATV in case of a total loss, available for up to five years.

How to save while you explore?

We offer various discounts to help lower your ATV premiums:

Multi-vehicle discount

When you insure multiple recreational vehicles, or when you pair your coverage with an Auto policy.

Multi-product discount

When you purchase another Co-operators policy, like home or life insurance.

Electric vehicle discount

When your ATV is powered by battery.

Renewal discount

When you insure your ATV with us for five or more consecutive years.

Enjoy a safe ride

Start with a quote and get the coverage you need today.

Get a quote and buy online

1-877-757-2893

*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 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. In Quebec, a licensed insurance advisor is a Financial Security Advisor or a Representative.

Home and auto insurance is underwritten by Co-operators General Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions. Co-operators General Insurance Company is committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please refer to our privacy policy for more information. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission.