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Quad, ATV and side-by-side insurance in Quebec
Quebec has more than 160,000 km of marked trails for off-road vehicles, managed largely by the Quebec Federation of Quad Clubs (FCMQ). To legally access this network, each driver must present proof of liability insurance in effect. Without this protection, you risk not only being expelled from the trails, but especially facing devastating claims in the event of an accident involving a third party.
The quad insurance covers three major families of vehicles: the classic quad/ATV (4 wheels, solo use), the side-by-side (SSV/UTV) (2 to 4 seats, open cabin) and the quadricycle. Each type has its own specifics in terms of engine displacement, value and risk, which directly influences the insurance premium. A broker compares offers from multiple insurers to offer you the best coverage at the best price.
Available coverage and typical rates
Here are the protections offered in most quad insurance policies in Quebec:
- Liability (Third-party): required on FCMQ trails. Covers bodily injury and property damage caused to third parties. Common amounts range from $500,000 to $2,000,000.
- Collision and rollover: covers damage to your own vehicle during an impact or rollover, regardless of cause.
- Theft and vandalism: particularly important for high-end ATVs, which can be worth more than $20,000.
- Custom equipment and accessories: winch, storage box, bumper, lift kit — accessories added after purchase must be declared to be covered.
- Towing and roadside assistance: very useful on trails far from city centers.
- Passenger protection: covers passenger injuries in multi-seat side-by-sides.
In terms of rates, expect between $200 and $600/year for a standard quad depending on engine displacement, region and your driving history. A side-by-side with more than 1,000 cc can cost between $500 and $1,200/year. Check our online quotes to get a precise price tailored to your situation.
FCMQ trails: what the law requires
Since 2021, the FCMQ and its affiliated clubs require proof of liability insurance for trail registration and access. The minimum recommended amount is $1,000,000 in liability. This requirement applies to both Quebec residents and visitors from other provinces. If you ride off marked trails on a public road, liability is legally required under Quebec’s Highway Safety Code. In short: riding without insurance on the trails is a considerable financial risk not worth taking.
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Frequently asked questions — Quad and ATV insurance
Is liability insurance mandatory for a quad in Quebec?
On FCMQ trails, liability is required by affiliated clubs for registration and network access. On public roads, it is legally mandatory under the Highway Safety Code. On your own private land, there is no legal requirement, but riding without liability exposes you personally to any claim for bodily injury or property damage caused to others.
Does my home liability insurance cover my quad on my property?
Generally not. Home insurance policies explicitly exclude motorized off-road vehicles, even on your property. Some policies cover « small recreational vehicles » with very low limits (e.g., $25,000 liability), but this is not enough in case of a serious accident. Check your policy and discuss it with your broker.
Do I need to insure my quad in winter if I don’t use it?
You can suspend certain coverage (collision, liability) during the off-season, but it is strongly recommended to maintain theft and vandalism coverage year-round. A quad stored in a garage can still be stolen or damaged by fire. The premium for theft-only coverage is very affordable and protects you during the off-season.
Does my quad insurance cover damage on the trails?
Yes, if you have purchased adequate coverage. Collision covers impacts against a tree, rock or another quad. Rollover covers lateral rollovers. Liability covers damage you cause to other trail users. Make sure your policy includes these three elements if you ride regularly on marked trails.
What’s the difference between a quad and a side-by-side for insurance?
A side-by-side (SSV/UTV) is generally wider, heavier and more powerful than a standard quad. Its value is often higher ($15,000 to $50,000+), which results in a higher premium. Additionally, multi-seat side-by-sides often require specific passenger coverage. Insurance adapts to the type of vehicle — inform your broker of the exact model and installed options.
Are my custom accessories automatically covered?
No. Accessories added after purchase (winch, protection cage, track wideners, audio system, storage boxes) must be explicitly declared to your insurer. If you don’t declare them and your quad is stolen or damaged, you will only be reimbursed for the base value of the vehicle. Keep an updated inventory of all accessories with their purchase value.
How much does quad insurance cost on average in Quebec?
For an entry-level quad (450-700 cc), expect between $200 and $400/year with full coverage ($1M liability, collision, theft). For a sport ATV or side-by-side of 800 cc and above, the premium can reach $600 to $1,200/year depending on value, region and driving history. Bundling your quad insurance with your home insurance or auto insurance may entitle you to a multi-vehicle discount.
Can I insure multiple quads on the same policy?
Yes. Several insurers offer multi-vehicle off-road policies that cover 2 to 5 quads or ATVs under one contract. This formula is often more economical than separate policies and simplifies renewal management. If you have a family with multiple quads, ask your broker to compare multi-vehicle options.
Does quad insurance cover damage to my trailer?
No. The trailer is covered by your auto insurance (if towed while your vehicle is in motion) or a separate recreational vehicle policy. Inform your auto insurer of your trailer’s value to ensure it is properly protected during transport.
Can my young driver (under 18) be covered on my quad policy?
It depends on the insurer. Some exclude drivers under 16 or require recognized training. Others accept minors on your policy with an additional premium. Mandatory FCMQ training for young drivers can reduce the premium. Declare all regular drivers of your quad — omitting a driver can void your coverage in case of a claim.
Is my quad insurance valid in the United States or other provinces?
Most Quebec policies offer basic coverage in other Canadian provinces. For the United States, specific coverage or an endorsement may be necessary. If you plan expeditions outside Quebec, inform your broker in advance to verify the territorial scope of your protection.
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