ATV and Snowmobile insurance Ontario


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RideLife insures over 100K motorcycles and off-road recreational vehicles across Canada

Protection to conquer the trails...


A variety of coverage options, including ATV insurance, snowmobile insurance, and insurance for other recreational vehicles.

…with coverage that fits your lifestyle...


Standard auto coverage that recognizes the seasonal use of your ATVs and off-road vehicles. policy add-ons for even more coverage

Get more policy protection with optional coverages in Ontario.

ATV and snowmobile insurance in Ontario

A favourite local spot or a multi-day adventure. Family trips or fun with friends. When the snow flies or in the thick of summer. When you hit the trails or conquer new terrain, you want to know that your off-road recreational vehicle is protected with a good insurance policy.

An ATV and snowmobile policy covers...

  • Direct compensation property damage
  • Uninsured motorist
  • Seasonal use
Man on ATV open trail with ATV and snowmobile insurance

Coverage extends beyond your off-road vehicle to...

  • Liability
  • Accident benefits
A group on snowmobiles on trail with falling snow

Want to know more about optional coverages?

Use of recreational vehicles by unlicensed operators

This insurance policy allows the off-road vehicle to be used on private property by unlicensed operators.  

Family protection endorsement


This insurance policy extends the third-party liability coverage for vehicle accidents where the other motorist doesn’t have enough coverage to pay for your injury claim.

For expert advice and an ATV or snowmobile insurance quote that's right for you

Talk with an expert who will give you an ATV insurance quote and advice on how to handle your claim in Ontario.

Your lifestyle matters to us

You'll benefit from a dedicated, expert insurance claims service that helps you get back to your favorite recreational activities and doing the things you love.

Quick response makes the most of every season

No waiting until Monday to start an insurance claim. You can call our 24/7 dedicated phone line to talk to an Aviva Lifestyle agent in Ontario who will get things started for you or report a claim online. The season is short; we’ll work hard to make sure you get to enjoy it.

Dedicated claim adjusters who know off-road vehicles

Our expert claim adjusters are ATV and off-road vehicle enthusiasts too. They know the coverages inside and out, and the settlement options for every insurance policy.

Choice of top-rated vendors


Priority service with top-rated vendors to get the job done right. We work with local expert appraisers, property surveyors, dealers, and repair facilities, and you always have the option to choose your own.

What Aviva Lifestyle offers

Expert claim service

Care and attention from dedicated claim adjusters who are enthusiasts too.

Stand-alone policies

Coverage and extra built-in benefits designed for your vehicle or property on an individual policy.

Optional coverages

A variety of coverage options for even more protection.

Additional savings

Discounts to help you save.

Have more fun to cover?



Collector car

Have a home, multiple cars, and more?

Get expert advice for more complex insurance needs.

The content in this document is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance broker to learn more. Insurance products are underwritten by Aviva Insurance Company of Canada, Traders General Insurance Company and Scottish & York Insurance Co. Limited, subsidiaries of Aviva Canada Inc. Aviva and the Aviva logo are trademarks used under license by the licensor.