ATV insurance
Benefits of insuring your ATV with La Capitale
Save an average of $425 by bundling your home, auto or leisure vehicle insurance1
Up to 3 years of replacement value coverage available2
$2,000 worth of free coverage on ATV equipment and accessories
No obligation to also insure your car
No extra fees when travelling throughout Canada and the United States
THANKS Loyalty Program:
As soon as you become a client, benefit from privileges that add up over the years!
Which basic coverage is mandatory for your ATV?
Which optional coverages are available?
Coverage for civil liability 
Your ATV insurance must at minimum cover your civil liability, to provide coverage for damage caused to third parties or if your vehicle is damaged as a result of an accident for which you are not at fault.
$2M of coverage is generally recommended.
Property damage coverages
You can add coverage to protect your ATV from any damage it may incur in the following situations:
In the event of loss of control or collision with another ATV
In the event of fire, theft or vandalism
Other worthwhile options
"Replacement Value" coverage
It is an interesting option for new vehicles. It allows you to obtain a reimbursement that does not take the depreciation of your ATV into account.
In the event of a partial loss, the insurer uses new parts to replace damaged parts that cannot be repaired.
In the event of a total loss, your indemnity will correspond to the lowest of the following amounts:
- The purchase price of the insured vehicle
OR
- The price for which the insurer may purchase, on the date of the loss, a new vehicle with specifications, equipment and accessories similar to the insured vehicle
$0 deductible option
No deductible to pay in the event of a claim
Get a ATV insurance quote online or by
phone!
1 877 778-3242
Firm in Damage Insurance. At all times, terms and conditions pertaining to coverage are governed solely by the insurance contract. Some conditions and exclusions apply. | 1. Source: June 2017 SOM survey of 1,168 La Capitale clients who bought at least one product among home, auto or leisure vehicle insurance. $115 average savings calculated using the declared amounts of respondents who benefited from a savings on their ATV insurance. $425 average savings calculated using the declared amounts of respondents who benefited from a savings by bundling at least two products. These amounts are for information purposes only and do not guarantee savings. | 2. The ATV replacement cost is different from the car replacement cost. Ask one of our insurance agents.
