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Promutuel Insurance offers top-notch ATV insurance at an attractive price that allows all-terrain vehicle enthusiasts to choose the coverage that fits their needs. Thousands of quad riders trust Promutuel Insurance to cover their recreational vehicles because they know they can count on us. Ask for a ATV insurance quote today.

Winning combinaisons

Winning Combinaisons
Insure your ATV and your home and save up to 10%.

Multi-vehicle discount

Multi-vehicle discount
Combine your car, motorcycle, ATV, snowmobile and VR insurance at Promutuel Insurance and earn as many discounts as the vehicles you insure!

Anti-theft system discount

Anti-theft system discount
Depending on the type of anti-theft system you have installed on your ATV, Promutuel Insurance will give you up to 10% off your theft coverage.

Side-by-side ATV (two-seater quad)

Side-by-side ATV (two-seater quad)
Promutuel Insurance offers a 15% discount to owners of side-by-side ATVs.

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No obligation

We’ll insure your ATV even if you don’t have Promutuel Insurance car or home insurance . . . But the more items you insure with us, the more discounts you’ll receive!

Waiver of depreciation - ATV

Is your ATV fairly new? Promutuel Insurance offers 4-year waiver of depreciation (Change to indemnity, Q.E.F. No. 43) for recreational vehicles.

Client Space Promutuel Insurance

Client Space is designed to make your life easier. It’s convenient, secure, always available, and keeps all your insurance documents together in a single, easy-to-access place.

Promutuel Insurance ATV



third party liability: mandatory for everyone (Section A)
In Québec, all owners of a road vehicle have to buy third party liability insurance from an insurer. This insurance covers damage caused by your ATV to another person.

Insurance against damage to your vehicle: protecting your ATV (Section B)

There are four types of coverage available:

  1. « Comprehensive » : Covers damage caused to your ATV and to equipment and accessories due to any type of risk.
  2. « Collision or upset » : Covers damage caused to your ATV and to equipment and accessories in the event of collision or overturning.
  3. « Perils other than collision or upset » : Covers damage caused to your ATV in the event of theft, fire, hail or glass breakage, for instance.
  4. « Specified perils » : Covers damage caused to your ATV due to the risks specifically named on the policy. This coverage is more restrictive.

Supercharge your basic coverage by adding the additional coverage options that work for you.

Travel expenses (Q.E.F. No. 20)
Promutuel Insurance will reimburse your rental, taxi and public transportation expenses if a covered accident prevents you from using your ATV.

Waiver of depreciation (Change to indemnity, Q.E.F. No. 43, A-D)
You can choose 2-, 3- or 4-year waiver of depreciation to protect your investment in the event of an accident.


  • Stick to the trails that are marked and maintained by your snowmobile, motorcycle, off-road motorcycle or ATV federation.
  • When you’re done for the day, lock your ATV in a secure place to prevent theft.
  • Park your ATV in a well-lit spot, preferably where you can see it.
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Discover all of our insurance products—because the more property you insure with Promutuel Insurance, the greater the benefits you’ll enjoy!

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