L'assurance côte-à-côte est-elle obligatoire au Québec ?

Oui. Tout UTV immatriculé à la SAAQ doit avoir une responsabilité civile minimale de 500 000 $. Sur les sentiers fédérés, la FQCQ exige généralement 1 000 000 $.

Quelle est la différence entre un UTV et un VTT ?

Un VTT (quad) se chevauche comme une moto. Un UTV (côte-à-côte) ressemble plus à une petite voiture : deux sièges côte à côte, volant, ceintures et cage de sécurité.

Combien coûte une assurance UTV au Québec ?

De 380 $/an pour un utilitaire 2 places de base à 1 500 $/an pour un sport haut de gamme modifié.

Mon UTV est-il couvert sur ma terre privée ?

Oui, la plupart des polices couvrent l'usage sur terre privée, sentier fédéré FQCQ et chemin forestier.

Dois-je déclarer les modifications sur mon UTV ?

Oui. Les modifications non déclarées peuvent entraîner un refus de paiement en cas de réclamation. Déclarez tout équipement qui augmente la valeur ou modifie la performance.

Le vol et le vandalisme sont-ils couverts ?

Oui, avec une police multi-risques. Un antivol homologué et un stationnement sécurisé sont recommandés pour obtenir une prime avantageuse.

Puis-je assurer plusieurs UTV sur la même police ?

Oui. Un regroupement multi-véhicules (UTV + motoneige + VR) offre souvent un rabais de 5 à 15 % sur la prime totale.

Comment réduire ma prime d'assurance UTV ?

Regrouper vos polices, ranger votre UTV dans un garage verrouillé, installer un traceur GPS, augmenter la franchise et adhérer à un club FQCQ peuvent réduire votre prime de 15 à 30 %.

UTV Quebec Side-by-Side Insurance 2026

Do you own a side-by-side (UTV), utility or off-road sport vehicle? Assur360 mobilizes a network of AMF-certified brokers who compare more than 9 specialized insurers to find you the ideal coverage — in less than 3 minutes, with no fees or commitments.

Side-by-side off-road — Assur360 insurance

IN BRIEF

Side-by-Side Insurance (UTV/SXS) in Quebec

Side-by-side (UTV) requires specific insurance separate from the quad — mandatory RC, theft and collision recommended given the value ($15,000-40,000).

Off-road: federated trail coverage, trailer transportation included. Many insurers offer a seasonal discount (October-May) if stored inactively.

FREE QUOTE 2026

Side-by-Side Insurance (UTV) in Quebec

Compare 9+ specialty insurers. Save up to 35% on your UTV premium.

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Why insure your side-by-side with Assur360

A UTV (utility task vehicle) can be worth anywhere from $15,000 to $70,000 — sometimes much more with accessories. Good coverage not only protects your machine, but also your liability on federated trails, at a friend’s house, or on your private property.

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Full coverage

Third party liability, collision, theft, vandalism, fire, third-party damage — everything you need to ride in peace.

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UTV Specialists

Our brokers know sport , utility, 2-seater and 4-seater UTVs — and the particularities of Polaris, Can-Am, Yamaha and other models.

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Get Best Price

By comparing 9+ insurers, our customers save an average of 35% on their premium side-by-side.

Types of Side-by-Side Covered

All categories of UTVs sold in Quebec are insurable, regardless of power, use or number of seats.

Utility side-by-side

For agricultural, forestry or construction work. Models like Polaris Ranger, Can-Am Defender, Kubota RTV, John Deere Gator.

Sport side-by-side

Performance, long suspension, 100+ HP engine. Modèles Polaris RZR, Can-Am Maverick X3, Yamaha YXZ1000R.

2-seater UTV

Classic driver + passenger configuration. Ideal for leisure and couples hiking on FQCQ trails.

4-seater UTV (crew/max)

Extended cabin for 4 passengers. Perfect for the family. Civil liability coverage to be adjusted according to the number of occupants.

Electric UTV

Polaris Ranger XP Kinetic, Volcon Stag, hybrid models. Assurance adapted to the battery and on-board electronics.

Modified UTV

Lift kit accessories, XL wheels, winch, hardtop, reinforced cage. Always report changes to your broker.

The 4 steps to get your UTV quote

Fill out the form

3 minutes: make, model, year, engine capacity, value, use (federated trail, private land, work) and postal code.

An AMF broker will call you back

Within 24 hours, a broker specializing in off-road vehicles analyzes your needs and verifies your file.

Compare offers

Receive 2-3 detailed quotes (best price, best coverage, value option).

Subscription and certification

Electronic signature, payment, certificate issued immediately — you are insured in minutes.

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Tip: storage and lock

Storing your UTV in a locked garage or shed can reduce your premium by 10-15%. Installing an approved lock (clog, chain, GPS tracker) gives you access to an additional discount. A member of the FQCQ also often gets a discount.

2026 Rates — Side-by-Side Insurance in Quebec

Here is an indicative range of annual premiums for recreational use in Quebec, 30+ year old driver with a good record.

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Type UTV Typical	Value	Annual Premium*	Usage
2-passenger utility vehicle	$15,000 – $25,000	380 – $620Leisure	/ work
4-seater utility vehicle (crew)	$20,000 – $35,000	$450 – $780Family	leisure
2-person sport	$25,000 – $45,000	580 – $980Trail	/ Off-trail
4-person sport	$30,000 – $55,000	680 – $1,150Trail	/ off-trail
Electric UTV	$25,000 – $40,000	520 – $850Leisure	/Work
Modified Premium UTV	$50,000 +	$950 – $1,500Sport	/Racing

*Indicative rates 2026. Get your exact price in 3 minutes.

Your side-by-side deserves the best protection

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Side-by-side insurance anywhere in Quebec

Assur360 insures UTV owners in Montreal, Quebec City, Sherbrooke, Gatineau, Laval, Trois-Rivières, Saguenay and Thetford Mines, as well as in all forest and agricultural regions (Abitibi, Mauricie, Lanaudière, Bas-Saint-Laurent, Gaspésie, Côte-Nord, Chaudière-Appalaches).

Frequently Asked Questions — Side-by-Side Insurance

Is side-by-side insurance mandatory in Quebec?

Yes. Any UTV registered with the SAAQ must have a minimum civil liability of $500,000. On federated trails, the FQCQ generally requires $1,000,000. Our brokers recommend $2,000,000.

What is the difference between a UTV and an ATV?

An ATV (quad) overlaps like a motorcycle. A UTV (side-by-side) is more like a small car: two seats side by side (hence the name), steering wheel, seatbelts, pedals and roll cage.

How much does UTV insurance cost in Quebec?

From $380/year for a base 2-seater utility vehicle to $1,500/year for a modified high-end sport. Get your exact price via our free quote.

Is my UTV covered on my private land?

Yes, most policies cover use on private land, FQCQ federated trail and forest road. Use on public roads is only permitted in specific cases (regulated crossing).

Do I have to declare the modifications (lift kit, winch, cage)?

Yes, absolutely. Undeclared changes may result in a refusal of payment in the event of a claim. Tell your broker about any equipment that increases the value or changes the performance of the UTV.

Is theft and vandalism covered?

Yes, with a multi-risk policy. Theft is a real risk (UTVs visible, easily transportable). An approved lock and secure parking are recommended to obtain an advantageous bonus.

Can I insure multiple UTVs on the same policy?

Yes. A multi-vehicle bundle (UTV + snowmobile + RV) often offers a 5-15% discount on the total premium. Ask your broker for the combination.

How do I reduce my UTV insurance premium?

Consolidating your policies, storing your UTV in a locked garage, installing a GPS tracker, increasing the deductible, and joining an FQCQ club can reduce your premium by 15 to 30%.

Why trust Assur360?

✓AMF certified firm

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✓More than 100,000 submissions

✓Network of 13 brokerage firms

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✓100% Quebec service in French