ATV & Snowmobile Insurance in Ontario, Manitoba & Saskatchewan

Atv and snowmobile insurance by Standard Insurance

Canadians love to get outside, which is why Recreational Vehicle Insurance is a necessity for ATV, snowmobile, and quad users. Recreational Vehicle Insurance will cover you if an accident occurs, whether you’re on your way to a trail or already off-road.

Recreational Vehicle Insurance covers a myriad of vehicles, including:

  • Snowmobiles
  • ATV / quads
  • Side-by-side / UTVs

What is Covered Under Recreational Vehicle Insurance?

Whether you have a snowmobile, ATV, or side-by-side, a basic policy extends to protect you with these coverages:

Accident Benefits

In the event of an accident, this benefit offers compensation for medical bills, rehabilitation costs, attendant care expenses, income replacement, or funeral expenses in the event of death.


Liability coverage through your Recreational Vehicle Insurance keeps you protected against the risk of financial loss in the event of injury, property damage, or the death of another individual due to an accident or collision.

Direct Compensation

If another insured rider hits you, this portion of your policy pays for damages to your ATV or snowmobile.

Optional Loss or Damage Coverage

You can also opt to attach extended coverage to your recreational vehicle insurance policy:


A Collision Coverage add-on protects your vehicle in terms of repair or replacement up to its actual cash value minus your deductible.


Comprehensive protection provides financial aid if your vehicle is damaged by something other than a motor accident. For example: vandalism, theft, inclement weather, or falling objects.

All Perils

You can add All Perils coverage to your ATV or snowmobile insurance policy. This option combines the coverages of Collision and Comprehensive.

Specified Perils

Specified Perils protection allows you to pick and choose the perils you would like to cover in your policy. Your ATV or Snowmobile is still covered for any listed risks such as fire, lightning storms, or theft.

Contact The Standard Insurance for Recreational Vehicle Insurance

For more information on insurance for your off-road vehicles, contact The Standard Insurance at 1-844-969-8199. One of our knowledgeable advisors will be happy to discuss the coverage options that best fit your lifestyle.

Recreational Vehicle Insurance FAQs

The Standard Insurance FAQs

If I have more than one vehicle insured through The Standard Insurance, do I get a discount?

Is it illegal to drive an off-road vehicle without Recreational Vehicle Insurance?

How do I know what kind of recreational vehicle insurance I need?

At The Standard Insurance, we pride ourselves for our long-lasting commitment to act as an advocate for every single one of our clients. Our success is measured by their experience and satisfaction:

I had a wonderful experience with Nicolle, I had some issues with my Insurance policy and Nicolle straightened them up immediately. THANKS AGAIN NICOLLE !


“Callie stepped up and provided a very professional service and responded to all our questions in a timely manner. We highly recommend Standard Insurance Brokers.”

Jim & Nicole D

“The agent, Celeste, was very prompt with her responses. She was able to source a favorable and economical premium compared to what I had. Very good service so far.

Oral & Pauline D

“The ladies that work here are great! So sweet and kind! Thank you for the A+ customer service”

Shelly J
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