ATV Insurance for Ontario Riders
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Whether you ride through cottage country, farmland, or forest trails, your all-terrain vehicle (ATV) deserves coverage that matches your lifestyle.
At Oegema, Nicholson & Associates (ONA), we offer tailored ATV insurance solutions for Ontario residents seeking reliable protection, flexible options, and a team of brokers who understand the risks associated with off-road riding.
Why ATV Insurance Matters
Your ATV is a recreational vehicle and a valuable asset. It’s exposed to risk every time you ride, from unpredictable terrain to potential theft or damage.
Collisions, theft, vandalism, or accidental damage can lead to expensive repairs or financial loss.
Who Needs ATV Insurance?
- Recreational ATV owners
- Side-by-side and UTV riders
- Cottage and rural property owners
- Farmers and landowners using ATVs for work
- Hunters and outdoor enthusiasts
- First-time ATV buyers
- Families with multiple off-road vehicles
If you own an ATV and ride outside your own property or want peace of mind in case of theft or damage, insurance is essential.
What's Included in an ATV Insurance Policy?
At ONA, we’ll help you build a policy that reflects how you use your ATV.
ATV insurance coverage may include:
Liability Coverage
Protects you if you cause injury or property damage while operating your ATV. This is a required coverage in Ontario for riders using public land or roads.
Collision Coverage
Collision coverage covers the cost of repairing or replacing your ATV if it's damaged in a crash.
Comprehensive Coverage
Comprehensive coverage provides protection against non-collision risks, including theft, fire, vandalism, and extreme weather.
Uninsured Motorist Protection
Provides financial coverage if you're injured in an accident involving an uninsured or unidentified driver.
Accessory Coverage
Optional protection for equipment like racks, winches, custom wheels, radios, and more.
Your ONA broker will explain each option and help you customize your policy to match your riding habits and budget.
Ontario ATV Insurance Requirements
- Third-party liability
- Accident benefits
- Uninsured automobile coverage
- Direct compensation for property damage (DCPD)
Why Choose Oegema, Nicholson for ATV Insurance
Brokerage Advantage
ONA is an independent brokerage with access to Canada's leading insurers. We compare policies and rates on your behalf—so you don't have to. This allows us to find you the best combination of value, protection, and flexibility. Whether you need coverage for your dealership or for your seasonal personal use, ONA can find the ideal solution for you.
Personalized Support
Our team takes the time to understand how you use your ATV and what coverage is important to you. Whether you ride for work, play, or both, we offer honest advice and policy recommendations that make sense for your situation.
Local Expertise
ONA has been serving Ontario clients since 1945. We are familiar with the terrain, regulations, and lifestyle that come with owning an ATV in this province. When you work with us, you're supported by a team that lives where you ride.
Discounts and Bundling Options
Already insured through ONA? You may qualify for discounts when bundling your ATV insurance with auto insurance or motorcycle insurance. Ask us how to save by combining your policies.
Custom Coverage for Side-by-Sides and UTVs
ATV Insurance for Seasonal and Cottage Use
ONA offers flexible insurance options for seasonal riders who want protection during active use and peace of mind while their bikes are in storage.
Our brokers can help you:
- Choose coverage that reflects seasonal use
- Understand how to insure your ATV when stored or transported
- Add theft or fire protection for off-season security
Even when it’s not in use, your ATV can be vulnerable. We’ll ensure it remains protected with insurance at all times, regardless of where it’s parked.
Frequently Asked Questions
Some Ontario municipalities permit the use of ATVs on public roads, especially in rural and northern areas. Always check local bylaws, ensure your ATV is plated and insured, and wear a helmet.
Yes. If your household owns more than one ATV or UTV, ask your ONA broker about your options.
Request an ATV Insurance Quote
- Understand your coverage options
- Meet Ontario’s legal requirements
- Get a competitive rate
- Adjust your policy over time as your needs change
Let's Get You Covered
At ONA, we believe ATV insurance should be easy, affordable, and built around your life. Whether you ride for recreation, work the land, or explore Ontario’s backcountry, we’ll help you find the coverage that keeps you confident on the trail.
Request a quote today. Ride protected tomorrow.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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