End of the agricultural season
6 min
Information to have on hand
To receive your quote quickly, here is the information that will be useful to have ready.
For all types of insurance
- Effective date
- The name of your current insurer, if you are already insured.
- Your other insurance policies (home, recreational vehicles), to check bundling discounts.
Your ATV
- The vehicle type: quad (four-wheeler) or side-by-side
- The year, make, and model
- The serial number, if available
- The date of purchase
- The driver’s licence number for each driver
- Claims or accidents for the past six years
- Your membership with the Fédération Québécoise des Clubs Quads (FQCQ).
- Whether the vehicle has an anti-theft system or a tracking device
- Intended use: federated trails, off-road, work, recreation.
ATV insurance tailored to your vehicle and how you use it
Every ATV rider has their own habits. Some ride the federated trails of the FQCQ; others prefer off-road terrain. The type of vehicle, how often you ride, and your intended use all influence the coverage you need.
In Quebec, general liability coverage is mandatory to operate a quad or side-by-side. It covers bodily injury or property damage caused to others in an accident. Additional coverage is available, including fire, theft, collision, and upset.
An ATV often represents a significant investment. The right coverage helps protect your vehicle, accessories, and equipment.
This insurance covers several types of all-terrain vehicles:
- Quad (four-wheeler)
- Side-by-side (SxS)
A La Turquoise broker will help you adjust your coverage based on your vehicle and how you use it. This happens when choosing your insurance and in the event of a loss.
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Recommended coverage
ATV insurance can include different types of coverage depending on how the vehicle is used.
General liability
General liability insurance is mandatory to operate a quad or side-by-side in Quebec. It covers property damage or bodily injury caused to others in an accident. It applies if a claim is filed following an incident involving your ATV. Speak with a La Turquoise broker to choose the amount suited to your situation.
- A quad strikes another vehicle on a federated trail.
- Equipment or installation is damaged during an incident.
Comprehensive coverage
Certain events can damage an ATV without a direct impact with another vehicle. This coverage includes fire, theft, vandalism, severe weather, and certain damage caused by external elements. It can apply during use or while the vehicle is in storage.
- The quad is stolen from a garage or at a campsite.
- A fire causes significant damage to the vehicle.
- Severe weather damages the ATV during storage.
- An animal is struck on a trail and damages the vehicle.
Collision or upset
Damage to your ATV following an impact or rollover is covered under this protection. It applies in the event of a collision with another vehicle, a tree, an object, or when you lose control. A deductible generally applies.
- A quad strikes a tree or object on a trail.
- The vehicle skids on a curve and rolls over.
Accidental death and dismemberment
A serious accident can have significant financial consequences for an entire family. This coverage may provide a benefit payment in the event of accidental death or dismemberment. It can help cover certain medical expenses or other costs related to the incident.
- An accident results in injuries requiring care or rehabilitation.
- Permanent injuries appear following an incident.
- A death occurs after an accident involving the insured ATV.
Practical coverage options
ATV insurance can go beyond basic coverage. Depending on your quad, your side-by-side, and your riding habits, certain practical options can prove useful. They complement your policy to better address each situation.
Waiver of depreciation
An ATV loses value over time. In the event of a covered loss, this protection may provide compensation without accounting for depreciation. It can help you recover an amount closer to the original purchase price.
Uninsured motorist
This coverage applies in two specific situations. First, if you sustain injuries in an accident caused by a third party who has no insurance. Second, if the vehicle responsible cannot be identified, for example, in a hit-and-run on a trail.
- An accident is caused by another ATV rider who is uninsured.
- The ATV is involved in an incident with a vehicle that fled the scene on a trail.
Roadside assistance
A breakdown on an isolated trail can quickly complicate an outing. This coverage provides help when the unexpected happens. It includes battery boost, fuel delivery, and towing within a set radius.
- An ATV breaks down far from an accessible road.
- A quad needs to be towed after an incident on a trail.
Accessories and equipment coverage
Accessories and equipment added to an ATV can represent significant value. This coverage protects those additions against loss or damage, subject to the conditions set out in the policy.
- Navigation equipment installed on a quad is damaged in a covered loss.
- Accessories added to the vehicle need to be replaced after an incident.
Replacement cost coverage (Q.E.F. No. 5)
Replacement cost coverage (Q.E.F. No. 5) is an optional endorsement that can be added to your primary ATV insurance policy. If your vehicle is declared a total loss or is stolen, this coverage provides additional compensation to help replace your vehicle and offset depreciation.
The amount you receive depends on the condition of the vehicle at the time of purchase and the terms of your policy.
- New vehicle: You are compensated based on the value of a similar new vehicle from the current model year, without depreciation applied.
- Used vehicle:
- Purchased from a dealer: You are compensated based on the purchase price, plus an indexed percentage for each year of use.
- Not purchased from a dealer: You are entitled to a supplement to the compensation amount from your primary insurer.
- No deductible in the event of a total loss
- Reimbursement of the deductible in the event of a partial loss, depending on the option chosen
- Allowance for a courtesy vehicle during the claims process
- Premium guaranteed for the entire duration of coverage
- Financing terms available from 12 to 84 months
- TAG discount: Is your vehicle equipped with a tracking system? A discount is applied directly to your premium. The system must be installed within the timeframe specified in the contract for the discount to apply.
- Automobiles
- Motorcycles and three-wheelers
- Snowmobiles
- All-terrain vehicles (ATVs, quads, and side-by-sides)
- Recreational vehicles (RVs)
- Trailers and tent trailers
- Travel trailers and motorhomes
This coverage can be especially valuable during the first years of ownership, when depreciation is at its highest. It may allow you to receive more than your vehicle’s actual cash value in the event of a covered loss.
Are you financing your vehicle over several years? Without this coverage, a total loss could leave you with a financing balance greater than the amount received.
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Save on your premium
A La Turquoise broker helps you identify the discounts that apply to your situation. Savings vary depending on your profile and the coverage you choose.
Association and club member discounts
Certain recognized associations and federations offer benefits to their members. Members of the Fédération Québécoise des Clubs Quads (FQCQ) may be eligible for discounts or special offers depending on the insurer.
Anti-theft system and tracking device
Installing a complete anti-theft system, a tracking device, or an intensive marking system recognized by the insurer can reduce your premium.
Multi-Vehicle discount
Insuring several vehicles with the same insurer may give you access to a discount. This option often applies when multiple drivers in the same household are insured together.
ATV, auto, and home bundling
Combining ATV insurance with auto or home insurance through the same insurer may result in a discount across your full coverage portfolio.
FADOQ member discount
Members of the Fédération de l’âge d’or du Québec may have access to discounts offered by participating insurers.
Preferred associations and member programs
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
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Your questions about ATV insurance in Quebec
Have questions about ATV, quad, or side-by-side insurance in Quebec? This section covers the most frequently asked questions. They address legal obligations, available coverage, and what influences the cost of your all-terrain vehicle insurance.
Yes. The Act Respecting Off-Highway Vehicles requires every quad owner to hold a general liability insurance policy. This obligation applies throughout Quebec, whether you ride on federated trails or off trail. Speak with a La Turquoise broker to choose the amount suited to your situation.
No universal average price applies to ATV insurance. The cost varies based on the value of the quad or side-by-side, the engine horsepower, the date of purchase, and the coverage selected. The driver’s age and driving record also influence the premium. A La Turquoise broker can compare the options available based on your profile.
No. The SAAQ does not provide compensation for injuries sustained in a quad or side-by-side accident. It does, however, provide coverage when the accident involves a moving vehicle covered under the plan. Private general liability insurance is therefore essential for every all-terrain vehicle owner in Quebec.
Yes, in certain cases. Purchasing a trail access pass from a club affiliated with the Fédération Québécoise des Clubs Quads (FQCQ) generally includes general liability coverage for your quad. Two situations require particular attention.
- If a separate ATV insurance policy is already in place, this coverage may be cancelled to avoid duplication.
- If your needs are greater, the coverage can be enhanced.
A La Turquoise broker can quickly verify whether your situation is properly covered.
Both types of all-terrain vehicles can be insured with the same basic coverage. To operate a quad, the driver must be at least 16 years old. For a side-by-side, the minimum age is 18. Because a side-by-side generally has a higher value, it may result in a higher insurance premium.
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