Do I need insurance to ride Ontario trails?

Many trail systems require liability coverage, and it's strongly recommended everywhere. We'll make sure you meet the requirements.

Is my snowmobile covered off-trail?

Coverage can extend to off-trail and backcountry riding depending on the policy. Tell us how you ride and we'll match it.

Are my accessories covered?

Aftermarket parts and accessories can be added to your policy. Give us a list and we'll schedule them.

ATV & Snowmobile Insurance

Hit the trails with confidence — coverage for ATVs, side-by-sides, and sleds.

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Ontario's trails and backcountry are made for ATVs and snowmobiles, but off-road riding carries real risk. We arrange coverage that protects your machine, your liability, and your gear — on the trail, on your property, and in transit.

Trail permits often require liability coverage, and we make it easy to stay protected and legal.

What's covered

Liability for trail and off-road riding
Collision and comprehensive for your machine
Theft and vandalism protection
Coverage for accessories and aftermarket parts
Optional transport and storage coverage

Good to know

Frequently asked questions

Do I need insurance to ride Ontario trails?: Many trail systems require liability coverage, and it's strongly recommended everywhere. We'll make sure you meet the requirements.
Is my snowmobile covered off-trail?: Coverage can extend to off-trail and backcountry riding depending on the policy. Tell us how you ride and we'll match it.
Are my accessories covered?: Aftermarket parts and accessories can be added to your policy. Give us a list and we'll schedule them.

Insurer partners

Insurers we compare for atv & snowmobile insurance

We shop these partners to find the right coverage and price for you.

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Get a personal, no-obligation quote from Ontario's independent insurance experts. Real advice, the best rate, and someone who picks up the phone.

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