event_availableUpdated
Trail-ready liability and damage coverage for off-road vehicles.
Most provinces require liability insurance to ride an off-road vehicle or snowmobile anywhere other than your own property, and trail permit programs often ask for proof of insurance. Riding on public roads or crossings brings its own rules.
Beyond liability, collision and comprehensive cover damage and theft, which matter for newer machines. Some insurers price only the riding season.
Or call +1 877 610 6554 · Monday to Friday, 9 a.m. to 6 p.m. ET
Who it’s for
Coverage
Required in many provinces when riding off your own property.
Damage, theft and fire.
Trailers, gear and add-ons, depending on the policy.
Coverage priced around the riding season.
Before you buy
check_circle
Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.
Learn before you buy
There is no official national average. The latest official figures put Ontario at $2,164 a year, Alberta at $1,903 and British Columbia at $1,358 for Basic and Optional coverage, each measured its own way. Here are all 13 provinces and territories and 15 cities compared.
Read guide arrow_forwardMost 2026 car insurance increases come from industry-wide costs like repairs, theft and severe weather, plus province-specific rules. Here's what's behind your renewal and 10 practical ways to lower it.
Read guide arrow_forwardSince July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.
Read guide arrow_forwardWe use first-party analytics cookies to understand which guides help Canadians most. No ads, no selling data. Privacy
