Quality Coverage and Protection on Any Terrain

Whether you like to explore fresh snowy trails on your snowmobile or venture out on your all-terrain vehicle (ATV) in wide-open fields, you need to ensure you have coverage to protect your vehicle.


What’s included in mandatory off-road insurance coverage?


  • Liability
    This protects you if you are in an accident and you’re held legally liable for injury to or death of other people. This also covers damage to their vehicle or property.
  • Accident Benefits
    Compensation includes medical expenses, rehabilitation, funeral expenses, and loss of income due to disability (not applicable in Quebec) and more.
  • Direct Compensation Property Damage
    Your motorcycle and the property it is carrying is covered when another motorist insured in your province is responsible for the accident (Ontario, New Brunswick and Nova Scotia).


Can I get additional off-road insurance coverages?


  • Collision or Upset
    If you have a collision with another vehicle or an object (e.g. tree or guiderail), you are covered for the cost of repair or the replacement of your off-road vehicle (up to its actual value less your deductible).
  • Comprehensive
    Events that are not collision related such as theft, vandalism, fire, falling objects, lightning, explosion, windshield damage, or impact by animals are covered.
  • All Perils
    To get the most complete coverage, you can combine both Collision and Comprehensive coverages.


How can I save money on my off-road insurance?


  • Multi-Vehicle
    You may save money when you have more than one off-road vehicle insured with Allstate.
  • Elite Driver
    Safe driving has its rewards. If you have a clean driving record and at least 12 years of driving experience in North America, you could be eligible for discounts on your off-road vehicle (excluding Quebec).

Talk to a local Allstate agent to learn more about these off-road discounts.


How can I get an off-road insurance quote?

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