According to our claims team, theft, single-vehicle accidents, and third-party collisions topped the list of reported ATV losses in 2024.
Looking for ways to avoid incurring a claim of your own? Here are some tips on reducing risks on the trail.
Combat theft (34% of claims)
In 2024, auto thefts were near an all-time high in Canada. It’s possible that the high demand for stolen vehicles and parts extended to recreational vehicles. It’s critical to protect your ATV by using:
- Secure storage: Always store your ATV in a locked garage, shed, or dedicated secure facility, especially overnight or during off-season. Avoid leaving it exposed in driveways or public areas.
- Layered security: Use multiple layers of security, including heavy-duty chains and locks, disc locks, wheel locks, or kill switches.
- GPS tracking devices: Consider installing a GPS tracking device. These can significantly increase the chances of recovery if your ATV is stolen.
- Alarm systems: An alarm system can deter thieves and alert you to potential tampering.
- Care with keys: Never leave keys in the ignition or hidden on the vehicle. Remove them and store them securely.
Prevent single-vehicle accidents (31% of claims)
The high percentage of single-vehicle incidents points to the importance of rider skill, terrain awareness, and responsible operation.
Here are some tips on staying safe on the trail:
- Invest in training: Even experienced riders can benefit from certified ATV safety courses that cover advanced maneuvering, emergency braking, and navigating diverse terrain.
- Wear appropriate gear: Always wear a helmet, eye protection, gloves, long pants, and sturdy boots.
- Know your limits: Understand the capabilities of your specific ATV and never exceed your own skill level or the machine's limits, especially on unfamiliar or challenging trails.
- Avoid impairment: Never operate an ATV under the influence of alcohol or drugs. Impaired judgment is a leading factor in serious incidents.
- Pre-ride inspection: Conduct a quick check of tires, brakes, fluid levels, and controls before each ride.
- Match speed to conditions: Always ride at a speed appropriate for the terrain, visibility, and your experience level.
Minimize third-party collisions (5% of claims)
While less frequent, collisions with other vehicles or ATVs can lead to serious consequences. To reduce this risk:
- Ride defensively: Always anticipate the actions of others, whether they are fellow riders, other vehicles on shared roads, or pedestrians.
- Communicate: Use hand signals to indicate turns or stops, and ensure your headlights and taillights are functioning, especially in low light.
- Maintain safe distances: Keep a safe following distance from other ATVs and vehicles, allowing ample time to react.
- Follow trail rules: Adhere to all trail regulations, signage, and designated riding areas.
Understanding the most common risks—and how to prevent them—will lead to safer ATV use for everyone.
If you have any questions about ATV coverage, please contact your Broker Operations Specialist or your Broker Relationship Manager.
