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Alberta ATV & Snowmobile Insurance

What is all-terrain vehicle insurance?

An ATV, short for “all-terrain vehicle,” is a popular recreational vehicle enjoyed by many Albertans.; ATV insurance is the coverage you need to protect your ATV and yourself from the unexpected.

ATVs are not a toy to be taken lightly, both for their price and potential for risk. In fact, a used utility type can run the average Albertan anywhere between $3,000-$10,000+, and newer models can run more than $15,000. With ATV insurance in Alberta, you can protect yourself from the financial burden of repair or replacement costs, but it also helps in other ways as well. With the right coverage, you can also protect yourself from legal expenses and repair costs to others’ property, or even medical expenses for their injuries as a result of an accident you were at fault for.

Let us help you find the best coverage for your ATV or snowmobile.

Insurance Coverages for Alberta Riders

While riders love the scenic beauty of Alberta’s many wilderness areas and trails, ATV riding comes with its own set of potential risks. Not only is there the possibility of damaging the ATV, there is a chance you may cause injuries to others or potentially damage their property.

We provide the necessary insurance you need so you can have peace of mind – knowing you are covered, while you enjoy the great outdoors on your ATV, quad or snowmobile.

Key ATV and Snowmobile Coverages

Liability: When riding, you’ll want to financially protect yourself in case you’re responsible for injuring a person or are sued after an accident.

Accident Benefits: Get coverage no matter who’s responsible for an accident. Certain expenses, like death benefits and rehabilitation costs, can be covered.

Direct Compensation for Property Damage: If you’re not at fault or are partially at fault for a collision, this coverage helps cover the repair costs for your ATV.

Alberta ATV and Snowmobile Add-Ons

All Perils Coverage: Get combined collision and comprehensive coverage. Only specifically excluded incidents aren’t covered.

Collision/Upset Coverage: If a collision or upset damages your ATV, you get coverage for repairs or replacement.

Family Protection Coverage: Provide extra protection for everyone on your policy in case an uninsured—or underinsured—driver causes injury or death.

Benefits of working with an Acera Insurance broker

At Acera Insurance, we understand how much joy off-road vehicles bring to our lives. We want to make sure you are properly protected so you simply enjoy the ride. Our Alberta off-road vehicle insurance advisors can help you secure the coverage you need with a customized ORV insurance policy.

Here are a few reasons why Alberta ORV owners and riders have trusted Acera Insurance for decades:

  • Standalone & Bundled Options: Other property or liabilities to insure? Get the policy combination that works best for you.
  • Free Personalized Policy Review: Since every policy is different—with different limits—our review ensures you have the right coverage at the right price.
  • Claim Advocacy: If you have a claim, we’re here to help you through the process.

Acera Insurance knows recreational vehicles better than most. We know all the facts about recreational vehicle insurance and are happy to share our knowledge with you. Give one of our Alberta offices a call today or start your quote online below.

Multiple Branches Across Alberta

Get real insurance from real people. At our neighbourhood walk-in locations, you can meet our team face to face. Find a branch near you.

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