ATV Insurance

[Jds63]

I've been looking at buying an ATV and called my insurance broker for a quote.

They asked if I wanted collision or just fire and theft ...

 

My question is do I need collision insurance ?

 

I'll be riding mostly gravel cottage roads with the odd trail ride , the rest will be work use and possibly ice fishing ...

 

 

[vance]

If it is a new one definitely yes but but if its an older one I wouldn't bother.

 

vance

[Fisherman]

Collision insurance is directly proportional to the odds of you crashing if you drive like some of the loogans I see on the trails. It's the ones that run into you I'd be vigilant of.

[Jds63]

Thanks guys , but I was wondering if you get stopped by police , is there a requirement to have collision insurance? If you have to ride on a road to get to another property or trail what do you guys insure for ?

[John Bacon]

Thanks guys , but I was wondering if you get stopped by police , is there a requirement to have collision insurance? If you have to ride on a road to get to another property or trail what do you guys insure for ?

 

There is no legal requirement to have collision insurance on an automibile; so I doubt that there is one for ATVs.

 

If you are financing the purchase, you may be required to have collision & comprehensive in addition to liability. That is way it works with cars & trucks.

[captpierre]

To ride on public roads you need:

Helmet

License plates

Insurance. I suspect only liability is required but not sure.

[Jds63]

Broker didn't mention liability only fire and theft , she did mention collision if it was being financed .

I'll ask them again what is the minimum requirement for insurance coverage , if I do happen to be on a municipal road.

[John Bacon]

Broker didn't mention liability only fire and theft , she did mention collision if it was being financed .

I'll ask them again what is the minimum requirement for insurance coverage , if I do happen to be on a municipal road.

 

Probably because the liability is mandatory while fire & theft and collision are optional.

[RickOnt]

Hey Julian

 

You will need liability ins to license the bike. and to ride on any public trails and lakes.

 

What bike are ya looking at?

 

Cheers

Rick

[gaspumper]

You will need liability to ride anywhere off your own property.

[Jds63]

Hey Rick, I am looking at the Kodiak and Grizzly, leaning towards the Kodiak .. are you up north ? I left you a vm about a month ago.

 

Will definitely have to get liability insurance ...

[TJQ]

If your financing it they will likely want all in...

[Woodsman]

Just because your insured doesn't mean you can ride on public roads.

It will depend if local by-laws allow you to.

If you plan on ice fishing inquire if your covered on the ice for liability?

Some insurers graciously provide a free rider prohibiting operation on the ice (Intact is one).

[miami]

Make sure you Max out on the medical - had an serious accident 5 years ago; saving grace was my coverage. if I had to pay out of pocket for care it would have been over 10,000.