Chargement d'un VTT

ATV insurance

There to protect your outings in nature
Set off on the trails with your four-wheeler with peace of mind. We’re there at your side to ensure your safety and that of your loved ones. The great outdoors await you, in all seasons, with confidence.
Set off on the trails with your four-wheeler with peace of mind. We’re there at your side to ensure your safety and that of your loved ones. The great outdoors await you, in all seasons, with confidence.

Insure your ATV through a proud local mutual association

Promutuel Assurance has a long history of supporting local people who, like you, are all-terrain enthusiasts. Discover new landscapes, while entrusting your ATV passion to experts who will offer you a complete range of custom-made coverages.

Find out what sets us apart


Local advisors who understand you


Personalized, affordable coverage


A local organization involved in your community

Un VTT roule

to save
you money

Quad enthusiast? We offer you advantageous discounts, designed for you. Take advantage of them to lower the cost of your ATV insurance, and set off with peace of mind!

Up To

10

%

de

Off

Winning combination

Winning combination

Insuring your ATV and home through Promutuel Insurance is a brilliant idea! You'll save up to 10%!

Get a submission

Up To

10

%

de

Off

Multiple vehicle discount

Multiple vehicle discount

Cars, motorcycles, ATVs, snowmobiles, and more: insure all your vehicles with Promutuel Insurance and save up to 10%.

Get a submission

Up To

10

%

de

Off

Anti-theft system discount

Anti-theft system discount

Depending on the anti-theft system installed on your ATV, get up to 10% off your theft insurance.

Get a submission

Up To

15

%

de

Off

Side-by-side (two-seater quad)

Side-by-side (two-seater quad)

Do you own a side-by-side type ATV? Get a discount of up to 15% off your ATV insurance for the first two years.

Get a submission

Benefits designed for you

En VTT dans la neige

Discover our full range of coverages for ATV insurance

Mandatory coverage

In Québec, third party liability is mandatory to cover damage caused to others by your ATV. This is what some call “one-sided” insurance! 

Third party liability

It covers:

  • Property damage to your ATV, during a collision in Québec for which you are not responsible.
  • Property damage and bodily injury, if the accident is outside of Québec.
  • Damage caused unintentionally to others for which you would be held liable.

Recommended coverages

Make sure to have “double-sided” insurance by adding property damage coverage to your ATV. Essential for a four-wheeler, whether bought or leased!

All perils

This coverage applies to all types of damage caused to your vehicle as well as to equipment and accessories, except those excluded by the policy.

Perils of collision and upset

This coverage applies to damage to your vehicle and equipment and accessories in case of a collision or upset.

All perils other than collision or upset

This coverage applies to damage to your vehicle, including theft, fire, hail, or broken windshield.

Specific perils

This coverage applies to damage to your vehicle in respect of risks specifically listed on the policy, including fire and theft. This is the least extensive of the coverages.

Practical coverages

Enhance your ATV insurance coverage by adding important tailor-made coverages. To venture out on the trails with peace of mind!

Travel expenses

This coverage is intended to cover your rental costs if a covered accident deprives you of your ATV.

Compensation without depreciation

If you have an accident and your vehicle is a total loss, it will be replaced by a new vehicle with the same characteristics, and no deduction will be applied for depreciation.

A host of ATV tips for you

Our specialists share their knowledge, advice and tips with you. Useful articles that will help you choose the right ATV insurance, but also to protect yourself and prevent risks while out on the trails. Happy reading!

Discover all of our blog articles

for all of your
insurance needs

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