Easier ATV Insurance Quotes with LMBF
LMBF, your one stop shop for all your insurance needs, including your ATV. Our team here goes above and beyond at all times to ensure that your needs are met and are adequately covered. The government of Quebec requires a minimum of liability insurance, but we can offer you so much more. Our protections cover any damages that result of a collision or any comprehensive damages, such as fire, theft, vandalism. Our team is dedicated to serving you better and they are always willing to discuss or answer any questions you may have. Don’t hesitate, call us today to benefit from our great rates that are within your budget.
ATV Insurance Solutions: What it Covers
Third-Party Liability
Third-party liability is mandatory in Quebec, for any driver who takes their vehicle on public roads. If you are wondering what liability covers, it will cover you if you unintentionally injure someone, whether it be a pedestrian, another driver, passenger and so on. It will also cover any damages you may cause to someone else’s property. All-terrain vehicles (ATVs) are not exempt from having this coverage, they must be insured with the minimum requirement of the province, which is 1 000 000. If you ask our experts, they will encourage and advise you that the minimum may not be enough, they will always make sure you are covered properly so you can rest easy.
Comprehensive & Collision
Like any other vehicle insurance, comprehensive and collision coverage are optional protections to include on your policy, unless you have an additional interest (finance company or leasing company) on the ATV. Collision will cover the cost of reparation, (minus the deductible) should you be in a responsible accident. Comprehensive coverage will cover your ATV up to its actual value following the event of a fire, theft, vandalism, flood or a collision with an object or animal.
Accident Benefits
Depending on the provider, you may have personal insurance to protect you and your family from the financial consequences that could ensue from injury in an accident or your unexpected death as a result of an insurable incident.
- Accident benefits
- Third-party liability
- Uninsured motorists
- Loss of use
- Intentional damages
- Certain modifications
- Street racing
- Tickets and infractions
Is ATV insurance required?
Insuring your ATV is mandatory if you plan on operating it off of private property and on public roads. Although it isn’t mandatory to plate the offroad ATVs, it is in your best interest to have the minimum requirement to protect yourself from any unforeseen events. Moreover, if you operate your ATV on public roads, you will be required to carry ATV insurance as it is a motorized vehicle (similar to insurance for your car!)
Types of Insurance for ATVs & Recreational Vehicles
Claims unfortunately happen, we don’t wish them to happen but they are out of our control. In the event you ever are required to make a claim, it is always a good idea to know what coverages your ATV has. You will notice that your car insurance and recreational insurance are very similar. See below for an example of some of the coverage that may be included with standard ATV insurance and several options that could be available for purchase, depending on your exact provider and circumstances. If you have any additional questions, contact an ATV insurance broker from LMBF!
Comprehensive coverage
- Fire
- Theft
- Vandalism
- Falling Objects
Third-party liability
- Bodily injury
- Property damage
- Pedestrians
- Passengers
Collision coverage
- Repairs
- Restoration
- Accidents with objects
- Accidents with other drivers
Full replacement
- Replacement ATV
- Resources for new ATV
Loss of use
- Temporary replacement
Accident Rating waiver
- At-fault accidents
- Premium increases
Uninsured automobile
- Rehabilitative treatment
- Loss of life
Accident benefits
- Rehabilitative treatment
- Loss of income
- Medical treatment
Roadside assistance
- Mechanical breakdown
- Towing
- Roadside repairs
Replacement cost
- Indemnification without depreciation
Off-road vehicles
- Liability insurance
- Unlicensed private-property ATVs
Motorhomes
- Liability insurance
- Collision and comprehensive
- Replacement cost
Our ATV Insurance partners
ATVs are for fun times and living life, not worrying about what could happen. Let LMBF do the shopping for you. We have partnerships with some of the top ATV insurance carriers in Quebec that allow us to help you get some of the most affordable ATV insurance rates with the best coverage possible. From the moment you get a policy to whenever you need to make a claim, LMBF are your advocates and will negotiate on your behalf to help you settle your claims with no hassle.
