Side-by-Side Insurance: Protect your off-road vehicle with peace of mind
Side-by-side vehicles are becoming increasingly popular for outdoor and thrill-seekers. Whether you use your side-by-side ATV for work, play, or extreme hiking, the right insurance is essential to protect you against accidents, theft, and property damage.
Tandem quad car insurance
Better known as Side-by-Side, the two-seater quad is a vehicle, as its name suggests, with two seats next to each other in the vehicle. This insurance is similar to that of a quad bike.
Side-by-side insurance for theft or damage
Your UTV or side-by-side is valuable. Our side-by-side insurance program can provide coverage against direct and accidental damage, due to a rollover or collision and perils such as fire, lightning, hail and vandalism. Side-by-sides and similar vehicles are also exposed to a significant risk of theft and again, the insurance product offered by Assur360 can help mitigate these risks.
What to do next?
To get an immediate UTV insurance quote, to purchase ATV insurance online, or to view the directory of insurance brokers who can advise you on the insurance program, contact us at 1.866.350.9763 or request a quote online.
How much does insurance cost for a side-by-side?
The cost of insurance varies depending on several factors:
📊 Value of the vehicle : The more expensive it is, the higher the premium.
📊 Make and model : Some models are more expensive to insure due to their power.
📊 Driver experience : Experienced drivers often get better rates.
📊 Driving location : Use on federated trails or private land influences price.
📊 Claims history : The more claims you have, the higher your premium.
💰 Example of prices :
- Basic Insurance (Liability): $150 – $300 per year
- Comprehensive Insurance (Collision + Theft + Fire): $400 – $1,000 per year
FAQ
Is insurance mandatory for a side-by-side in Quebec?
Yes. To ride on federated trails, public land or during certain trips, civil liability is required. Requirements may vary depending on the use and location.
What coverage is minimal?
Civil liability is the basis. It protects against bodily injury or property damage caused to others. Many drivers opt for an amount higher than the legal minimum for better protection.
Are trails, hunting, or working on private land covered?
Coverage depends on the policy and endorsements chosen. Some insurers require specific options for off-trail riding, hunting , or utility work.