Official OFATV Sponsor

ATV insurance

built for life on the trail

Ride with confidence. Ride protected.

Co-operators is proud to partner with OFATV to help riders protect their off-road adventures. A trusted Canadian insurer for more than 80 years, they offer flexible ATV insurance, plus coverage for motorcycles and snowmobiles.

Whether you’re hitting local trails or exploring new routes across the province, the right coverage lets you focus on the ride ahead, knowing you and your ATV are protected.

You may also be eligible for better rates when you bundle your ATV insurance with other Co-operators products, like home or auto insurance.

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Coverage for every season and surface

Co-operators insures a wide range of recreational vehicles:

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ATVs

Protect the machines you use to tackle tough terrain, including sport, utility, side-by-side and youth ATVs

Snowmobiles

Conquer snow and ice with coverage for your trail, sport, touring, crossover or utility snowmobile.

Motorcycles

Enjoy the freedom of two wheels with the right insurance for your motorcycle, moped or dirt bike.

More ways to protect yourself, your ride and your gear

ATV and snowmobile insurance isn’t one-size-fits-all. Basic coverage can help if you’re injured in an accident, cause damage or injury to others, or are involved in a collision with an uninsured rider. It can also cover ATV repair or replacement costs from an accident that isn’t your fault.

With Co-operators, you can boost your protection with options like:

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Collision

This covers the cost of repairing or replacing your vehicle if you cause an accident.

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Comprehensive

If your vehicle is damaged or stolen, this coverage will help you repair or replace it.

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Depreciation Protection

If you buy a new vehicle and have a total loss claim within the first five years, this coverage protects your vehicle’s value from depreciation.

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Riding Gear Endorsement

This coverage replaces up to $5,000 of ATV and snowmobile riding gear, like helmets, eyewear or airbag vests, after an insured loss.

Disclaimer:

Auto insurance is underwritten by Co-operators General Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions. Always use ATVs safely, in accordance with manufacturer’s specifications and per applicable laws and regulations. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission. © 2026 Co-operators General Insurance Company. cooperators.ca | 1-800-265-2662 