ATV Insurance

Ohhh ATVs. They’re so fun, they’re so fast, they’re so …whoops. Make sure your adrenaline-machine (and you!) are fully covered so you can focus on the vroom vroom.

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The benefits of insuring your off-road ride 

Protects your machine

As a powersports enthusiast, you’ll be glad to know our ATV Insurance includes Side-by-Sides, Gators, and Dune Buggies, too!

Protects your aesthetics

We provide physical damage coverage for your quad to make sure things stay looking good as new.

Coverage details and availability can vary by province. If available, select your region below to view coverage details.

Coverage Details

Collision/Upset
Comprehensive
Specified Perils
Increased ATV Liability Insurance Limits

Optional Coverage

Underage operator endorsement

Allows a person age 12-15 years to operate the vehicle.

Additional Info

Sandbox offers specialized coverage for Trailer Insurance and Farm Equipment Insurance. See all our Auto Insurance Products here.

ATV Insurance FAQs

Do you need to register your ATV in Saskatchewan?

Your ATV doesn't require registration. However, if you're cruising in public areas, you will need a minimum of $200,000 in third-party liability coverage. Reach out to a Sandbox broker for an ATV insurance quote!

Can you drive an ATV on the road in Saskatchewan?

In Saskatchewan, you can operate an off-road vehicle on certain roadways, such as grid roads and trails, as long as they are designated and permitted for ATV use. However, ATVs are generally not allowed on public roads unless they are specifically designated as part of an ATV route. Make sure to check local regulations and obtain any necessary permits or permissions before driving an ATV on the road!

What is the difference between a regular all-terrain vehicle (ATV) and a Dune Buggy?

A regular ATV typically features a saddle-like seat and handlebars for steering, designed for versatile off-road use in various terrains. A dune buggy resembles a small off-road vehicle with an open chassis, rear-engine layout, and bucket seats, specifically optimized for recreational driving in sandy environments like beaches or deserts.