Liability insurance is mandatory for any ATV operating on a public road in Quebec. To access FCMQ (Quebec Quad Clubs Federation) trails, a minimum liability of at least $500,000 is required. On a closed private property, insurance is not legally required, but it is strongly recommended given the risks of injuries and property damage.

A quad (or 4-wheel ATV) is ridden like a motorcycle with handlebars by one pilot. A sport ATV is similar but optimized for performance. A side-by-side (SSV or UTV) has side-by-side seating, a steering wheel, a safety cage, and can carry 2 to 6 passengers. All three types can be insured, but premiums and conditions differ, especially for SSVs with values exceeding $30,000.

Premiums typically range from $200 to $700 per year. Main factors include: engine size and vehicle value, usage (recreational, utility, or sport), coverage selected (liability only vs. comprehensive), your region, claims history, and years of off-road driving experience. An AccesDirect broker can compare multiple insurers to get you the lowest rate.

Yes, if you have purchased the right coverage. A comprehensive policy includes liability, collision and rollover coverage whether on a marked trail or on your property. Verify that your policy explicitly mentions usage on federally sanctioned trails — some basic policies exclude open public trails.

Permanently installed accessories (winch, reinforced bumper, storage box, cabin enclosure, audio system) are generally covered up to a specified amount listed in your policy. Removable accessories and personal protective equipment (helmet, suit) may require additional coverage. Declare all accessories to your broker to avoid surprises during a claim.

Some insurers offer seasonal policies (typically May to November) or allow you to suspend collision and theft coverage off-season while maintaining liability. Others prefer annual policies with a reduced rate. Your AccesDirect broker can evaluate which option is most cost-effective based on your usage.

Coverage outside the province varies by insurer. Most policies cover Canada, but some limit US coverage to 90 days or less. For ATV trips to the USA, verify territorial limits with your broker and get written confirmation before you go.

In Quebec, minors can operate an ATV on private property without a license. However, to be covered by insurance, they must generally be declared as operators. Some insurers require completion of an off-road training course (e.g., Off-Road Driver). Always mention minor operators to your broker to avoid coverage issues.

Liability covers bodily injury and property damage you unintentionally cause to others with your ATV. For example, if you hit a pedestrian, damage a fence, or cause an accident involving another vehicle, your liability pays for damages up to your coverage limit. The minimum recommended limit is $1,000,000, but $2,000,000 is increasingly common.

No. Brokers are paid by insurers, not by you. They compare offers from multiple companies and negotiate on your behalf. Using an AccesDirect broker gives you access to specialized recreational vehicle insurers that don’t sell directly, which can result in better coverage at equal or lower cost.

Driver injury coverage (also called operator protection) reimburses the ATV pilot if injured in an accident, in addition to basic SAAQ coverage. It can include medical expenses, lost wages, and permanent disability. This protection is particularly important for ATVs where injury risk is high.