{"id":15556,"date":"2015-10-09T12:27:06","date_gmt":"2015-10-09T16:27:06","guid":{"rendered":"https:\/\/www.assur360.ca\/atv-insurance-quote\/"},"modified":"2026-04-21T14:13:57","modified_gmt":"2026-04-21T18:13:57","slug":"atv-insurance-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/atv-insurance-quote\/","title":{"rendered":"ATV Insurance Quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Soumission assurance VTT\", \"description\": \"Courtier en assurance VTT (quad, c\u00f4te-\u00e0-c\u00f4te, UTV) au Qu\u00e9bec. Comparez 9+ assureurs en 3 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/soumission-assurance-vtt\/\", \"telephone\": \"+18663574451\", \"areaServed\": \"Qu\u00e9bec, Canada\", \"priceRange\": \"$$\", \"address\": {\"@type\": \"PostalAddress\", \"addressCountry\": \"CA\", \"addressRegion\": \"QC\"}, \"aggregateRating\": {\"@type\": \"AggregateRating\", \"ratingValue\": \"4.9\", \"reviewCount\": \"387\"}}<\/script>\n\n<!-- HERO -->\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);color:#fff;padding:60px 20px;border-radius:0;\">\n <div style=\"max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center;\">\n  <div>\n   <div style=\"display:inline-block;background:rgba(16,196,199,0.15);color:#10c4c7;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;margin-bottom:16px;letter-spacing:0.5px;\">FREE QUOTE \u00b7 3 MINUTES<\/div>\n   <h1 style=\"font-size:42px;line-height:1.15;margin:0 0 18px;color:#fff;font-weight:800;\"><span class=\"ez-toc-section\" id=\"ATV-Insurance-Quote-Quebec-%E2%80%94-Quad-UTV-Side-by-Side\"><\/span>ATV Insurance Quote Quebec \u2014 Quad, UTV, Side-by-Side<span class=\"ez-toc-section-end\"><\/span><\/h1>\n   <p style=\"font-size:18px;line-height:1.6;color:#c9d6e0;margin:0 0 28px;\">Get your <strong style=\"color:#10c4c7;\">ATV insurance quote<\/strong> in 3 minutes. We compare 9+ Quebec insurers to find the best premium for your Can-Am, Polaris, Honda, Yamaha, side-by-side or UTV. Average savings: <strong>15% to 30%.<\/strong>  <\/p>\n   <div style=\"display:flex;gap:12px;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my quote in 3 min<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;border:2px solid #fff;color:#fff;padding:14px 28px;border-radius:8px;font-weight:600;text-decoration:none;font-size:16px;display:inline-block;\">\ud83d\udcde 1-866-357-4451<\/a>\n   <\/div>\n  <\/div>\n  <div style=\"aspect-ratio:1\/1;overflow:hidden;border-radius:16px;box-shadow:0 20px 60px rgba(0,0,0,0.4);\">\n   <img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/quad-vtt-foret-quebec-automne.jpg\" alt=\"ATV insurance Quebec \u2014 Can-Am quad on forest trail\" style=\"width:100%;height:100%;object-fit:cover;display:block;\" loading=\"eager\" width=\"800\" height=\"800\"\/>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- STATS BAR -->\n<section style=\"background:#f8fafc;padding:36px 20px;border-bottom:1px solid #e2e8f0;\">\n <div style=\"max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;\">\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">$450<\/div><div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:0.5px;\">Average mountain bike premium<\/div><\/div>\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">9+<\/div><div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:0.5px;\">Insurers Compared<\/div><\/div>\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">3 min<\/div><div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:0.5px;\">Online Quote<\/div><\/div>\n  <div><div style=\"font-size:32px;font-weight:800;color:#10c4c7;\">15+ years<\/div><div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:0.5px;\">ORV QC Expertise<\/div><\/div>\n <\/div>\n<\/section>\n\n<!-- INTRO -->\n<section style=\"max-width:1100px;margin:0 auto;padding:60px 20px 20px;\">\n <p style=\"font-size:18px;line-height:1.7;color:#334155;margin:0;\">Your <strong>ATV, quad, side-by-side or UTV<\/strong> deserves insurance that truly covers the risks of off-road in Quebec. Whether it is used on the FQCQ federated trail, on your forest land, in an outfitter or in competition, Assur360 compares the best coverages on the market and negotiates your premium.   <strong>Free quote, without obligation, in 3 minutes.<\/strong><\/p>\n<\/section>\n\n<!-- POURQUOI (image+text) -->\n<section style=\"max-width:1100px;margin:0 auto;padding:40px 20px;\">\n <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;\">\n  <div style=\"aspect-ratio:1\/1;overflow:hidden;\">\n   <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-quad-vtt-realiste-quebec.jpg\" alt=\"ATV Insurance Broker Quebec \u2014 White Quad\" style=\"width:100%;height:100%;object-fit:cover;border-radius:12px;display:block;\" loading=\"lazy\" width=\"800\" height=\"800\"\/>\n  <\/div>\n  <div>\n   <h2 style=\"font-size:30px;color:#0d1f2d;margin:0 0 18px;line-height:1.2;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Why-compare-9-mountain-bike-belays\"><\/span>Why compare 9+ mountain bike belays?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n   <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">The price differences between ORV (off-road vehicle) insurers reach <strong>$600 per year<\/strong> for the same quad, same coverage, same profile. Some insurers penalize competition, others refuse modified ATVs, others offer big discounts if you bundle with your car. <\/p>\n   <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 24px;\">An Assur360 broker knows the <strong>strengths of each insurer<\/strong> \u2014 Intact, Aviva, La Capitale, SSQ, Desjardins, Beneva \u2014 and places your ATV with the one that offers the best price <em>AND<\/em> the best coverage for your type of use (trail, utility, sport, competition).<\/p>\n   <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 28px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Compare 9+ Submissions<\/a>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- CAT\u00c9GORIES VTT (table) -->\n<section style=\"max-width:1100px;margin:0 auto;padding:40px 20px;\">\n <h2 style=\"font-size:30px;color:#0d1f2d;margin:0 0 12px;text-align:center;font-weight:700;\"><span class=\"ez-toc-section\" id=\"ATV-Insurance-Premium-by-Category-Quebec-2026\"><\/span>ATV Insurance Premium by Category (Quebec 2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <p style=\"text-align:center;color:#64748b;margin:0 0 28px;\">Annual estimates \u2014 comprehensive coverage, 30-55 year old driver, clean record, winter storage.<\/p>\n <div style=\"overflow-x:auto;\">\n  <table style=\"width:100%;border-collapse:collapse;background:#fff;border:1px solid #e2e8f0;border-radius:12px;overflow:hidden;\">\n   <thead style=\"background:#0d1f2d;color:#fff;\">\n    <tr>\n     <th style=\"padding:14px 16px;text-align:left;font-size:14px;\">MTB<\/th>\n Category<th style=\"padding:14px 16px;text-align:left;font-size:14px;\">Sample Templates<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-size:14px;\">Annual<\/th>\n premium<th style=\"padding:14px 16px;text-align:left;font-size:14px;\">Typical Value<\/th>               \n    <\/tr>\n   <\/thead>\n   <tbody style=\"color:#334155;\">\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;\">Honda Foreman, Yamaha Kodiak, Polaris Sportsman 450<\/td> <td style=\"padding:12px 16px;font-weight:600;\">Utility Quad<\/td><td style=\"padding:12px 16px;color:#10c4c7;font-weight:700;\">$350 \u2013 $650<\/td><td style=\"padding:12px 16px;\">$8,000 \u2013 $13,000<\/td><\/tr>\n    <tr><td style=\"padding:12px 16px;\">Yamaha Raptor 700, Honda TRX450R, KTM 450 SX<\/td> <td style=\"padding:12px 16px;font-weight:600;\">Sport Quad \/ Motocross $<\/td><td style=\"padding:12px 16px;color:#10c4c7;font-weight:700;\">500 \u2013 $900<\/td>$<td style=\"padding:12px 16px;\">9,000 \u2013 $12,000<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\">Can-Am Maverick X3 <td style=\"padding:12px 16px;font-weight:600;\">2-Passenger Side-by-Side<\/td><td style=\"padding:12px 16px;\">, Polaris RZR Pro R<\/td><td style=\"padding:12px 16px;color:#10c4c7;font-weight:700;\">$700 \u2013 $1,200<\/td>$<td style=\"padding:12px 16px;\">22,000 \u2013 $35,000<\/td><\/tr>\n    <tr><td style=\"padding:12px 16px;\">Polaris Ranger XP, Can-Am Defender, Kawasaki Mule<\/td> <td style=\"padding:12px 16px;font-weight:600;\">4-seater UTV \/ utility<\/td> $<td style=\"padding:12px 16px;color:#10c4c7;font-weight:700;\">900 \u2013 $1,500<\/td><td style=\"padding:12px 16px;\">$25,000 \u2013 $45,000<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;\">Can-Am Maverick R, Polaris RZR Pro R Ultimate<\/td> <td style=\"padding:12px 16px;font-weight:600;\">$<\/td><td style=\"padding:12px 16px;color:#10c4c7;font-weight:700;\">1,200 \u2013 $1,800<\/td>$<td style=\"padding:12px 16px;\">40,000 \u2013 $55,000<\/td><\/tr>\n   <\/tbody>\n  <\/table>\n <\/div>\n <p style=\"font-size:13px;color:#94a3b8;margin:16px 0 0;text-align:center;font-style:italic;\">Indicative premiums. Final price according to file, region, modifications, anti-theft, insurance grouping. <\/p>\n<\/section>\n\n<!-- COUVERTURES (6 cartes) -->\n<section style=\"max-width:1100px;margin:0 auto;padding:40px 20px;\">\n <h2 style=\"font-size:30px;color:#0d1f2d;margin:0 0 12px;text-align:center;font-weight:700;\"><span class=\"ez-toc-section\" id=\"The-6-essential-coverages-of-mountain-bike-insurance\"><\/span>The 6 essential coverages of mountain bike insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <p style=\"text-align:center;color:#64748b;margin:0 0 32px;max-width:720px;margin-left:auto;margin-right:auto;\">Each insurer names its coverage differently. Here&#8217;s what Assur360 negotiates for your quad. <\/p>\n <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;font-weight:700;\">Civil liability<\/h3><p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Mandatory on the FQCQ trail. $1M minimum recommended \u2014 protects if you injure a third party or damage property. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;font-weight:700;\">Collision and Rollover<\/h3><p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Covers damage to your ATV from a collision, rollover, or fall on the trail.<\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;font-weight:700;\">All risks (theft, fire)<\/h3><p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Protects against theft, fire, vandalism, natural disasters. Essential for ATVs parked in sheds. <\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;font-weight:700;\">Added equipment<\/h3><p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Winch, lift kit, aggressive tires, aluminum handlebars, GPS, audio \u2014 specific coverage needed for mods.<\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;font-weight:700;\">Trailer and Equipment<\/h3><p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Covers your ATV trailer, chains, tarps and trail equipment (shovel, saw, kit).<\/p><\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;font-weight:700;\">Roadside Assistance PHEV<\/h3><p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Specialized towing from the trail or private land 24\/7 \u2014 essential in case of a breakdown in the forest.<\/p><\/div>\n <\/div>\n<\/section>\n\n<!-- \u00c9TAPES -->\n<section style=\"background:#f8fafc;padding:60px 20px;\">\n <div style=\"max-width:1100px;margin:0 auto;\">\n  <h2 style=\"font-size:30px;color:#0d1f2d;margin:0 0 12px;text-align:center;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Your-ATV-quote-in-4-steps\"><\/span>Your ATV quote in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"text-align:center;color:#64748b;margin:0 0 40px;\">Simple, fast, no obligation \u2014 100% online.<\/p>\n  <div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:24px;\">\n   <div style=\"text-align:center;\"><div style=\"width:48px;height:48px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin:0 auto 14px;\">1<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;font-weight:700;\">Form 3 min<\/h3><p style=\"color:#64748b;font-size:14px;line-height:1.5;margin:0;\">Enter your mountain bike (make, model, year, cylinder capacity, use).<\/p><\/div>\n   <div style=\"text-align:center;\"><div style=\"width:48px;height:48px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin:0 auto 14px;\">2<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;font-weight:700;\">Comparison 9+ insurers<\/h3><p style=\"color:#64748b;font-size:14px;line-height:1.5;margin:0;\">Our engine queries partner PHEV insurers.<\/p><\/div>\n   <div style=\"text-align:center;\"><div style=\"width:48px;height:48px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin:0 auto 14px;\">3<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;font-weight:700;\">Broker advice<\/h3><p style=\"color:#64748b;font-size:14px;line-height:1.5;margin:0;\">An AMF broker explains the offers and negotiates.<\/p><\/div>\n   <div style=\"text-align:center;\"><div style=\"width:48px;height:48px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin:0 auto 14px;\">4<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;font-weight:700;\">Immediate coverage<\/h3><p style=\"color:#64748b;font-size:14px;line-height:1.5;margin:0;\">Ready to drive: proof of insurance sent the same day.<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- CONSEIL REMISAGE -->\n<section style=\"max-width:1100px;margin:0 auto;padding:60px 20px;\">\n <div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);color:#fff;padding:40px;border-radius:16px;border:2px solid #10c4c7;\">\n  <h2 style=\"font-size:26px;color:#10c4c7;margin:0 0 16px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%A1-Assur360-Tip-Off-Road-Seasonal-Discount\"><\/span>\ud83d\udca1 Assur360 Tip: Off-Road Seasonal Discount<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#c9d6e0;font-size:16px;line-height:1.7;margin:0 0 12px;\">Most insurers offer a <strong style=\"color:#fff;\">25% to 40% discount<\/strong> if your ATV is stored in a locked area in the winter (Nov\u2013April). Clearly state the storage period when you submit your application. <\/p>\n  <p style=\"color:#c9d6e0;font-size:16px;line-height:1.7;margin:0;\">Same tip on the other hand: if you use your quad 12 months\/year (trapping, forestry work), mention it \u2014 some specialized ORV insurers offer a better rate for continuous use.<\/p>\n <\/div>\n<\/section>\n\n<!-- ALERTE R\u00c9GLEMENTATION -->\n<section style=\"max-width:1100px;margin:0 auto;padding:20px;\">\n <div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;\">\n  <h3 style=\"color:#991b1b;font-size:18px;margin:0 0 10px;font-weight:700;\">\u26a0\ufe0f Attention \u2014 VHR Quebec regulations<\/h3>\n  <p style=\"color:#7f1d1d;font-size:15px;line-height:1.6;margin:0 0 8px;\">Since 2026, the <strong>Act respecting off-highway vehicles (OAHR)<\/strong> imposes: minimum civil liability, compliant helmet, minimum age 16 years old (class 6D license\/apprentice), riding only on federated trails or authorized private land.<\/p>\n  <p style=\"color:#7f1d1d;font-size:15px;line-height:1.6;margin:0;\"><strong>Fines:<\/strong> $350 to $1,050 for lack of insurance, up to $1,500 for impaired driving. Your Assur360 quote meets the LVHR requirements from the outset. <\/p>\n <\/div>\n<\/section>\n\n<!-- CTA MILIEU -->\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 20px;text-align:center;\">\n <h2 style=\"color:#fff;font-size:32px;margin:0 0 12px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Ready-to-compare-your-mountain-bike-insurance\"><\/span>Ready to compare your mountain bike insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <p style=\"color:#c9d6e0;font-size:17px;margin:0 0 28px;\">Submission in 3 minutes. Average savings 15-30%. No commitment.<\/p>\n <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Start my quote<\/a>\n <a href=\"tel:+18663574451\" style=\"background:transparent;border:2px solid #fff;color:#fff;padding:14px 28px;border-radius:8px;font-weight:600;text-decoration:none;font-size:16px;display:inline-block;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/section>\n\n<!-- G\u00c9O -->\n<section style=\"max-width:1100px;margin:0 auto;padding:60px 20px;\">\n <h2 style=\"font-size:28px;color:#0d1f2d;margin:0 0 16px;text-align:center;font-weight:700;\"><span class=\"ez-toc-section\" id=\"ATV-insurance-broker-throughout-Quebec\"><\/span>ATV insurance broker throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <p style=\"text-align:center;color:#475569;font-size:16px;line-height:1.7;margin:0 0 24px;max-width:760px;margin-left:auto;margin-right:auto;\">Assur360 covers all ORV enthusiasts in Quebec \u2014 from the trails of the <strong>Laurentians<\/strong>, <strong>Lanaudi\u00e8re<\/strong> and <strong>Mauricie<\/strong> to the <strong>Abitibi-T\u00e9miscamingue<\/strong> network, including the <strong>Gasp\u00e9sie<\/strong>, <strong>Saguenay\u2013Lac-Saint-Jean<\/strong>, the <strong>Eastern Townships<\/strong> and the <strong>North Shore<\/strong>.<\/p>\n<\/section>\n\n<!-- FAQ -->\n<section style=\"max-width:1100px;margin:0 auto;padding:40px 20px;\">\n <h2 style=\"font-size:30px;color:#0d1f2d;margin:0 0 28px;text-align:center;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-ATV-insurance-Quebec\"><\/span>Frequently asked questions \u2014 ATV insurance Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <div style=\"display:flex;flex-direction:column;gap:12px;\">\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">How much does ATV insurance cost in Quebec in 2026?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">The average annual premium is between $350 and $1,400 depending on the type of ATV, value, use (trail vs. private land) and driving record. A standard utility quad costs $350-650, a sport\/motocross $500-900, a 2-passenger side-by-side $700-1,200, a 4-seater UTV $900-$1,500. The Assur360 quote compares 9+ insurers to get the best price for your profile.  <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">Is ATV insurance mandatory in Quebec?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">The Act respecting off-highway vehicles (OAHR) requires a minimum civil liability to ride on the FQCQ federated trails. On private closed property, insurance is not mandatory \u2014 but highly recommended since your home insurance does not cover damage caused by an ATV in recreational use. <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">Can I ride an ATV with only liability coverage?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">Yes, this is the legal minimum to ride on a federated trail ($500,000 or $1 million recommended). But without collision or theft, if your quad is stolen or damaged, you pay out of pocket. For an ATV over $5,000, comprehensive coverage is strongly recommended.  <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">Which mountain bike brands does Assur360 insure?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">We insure all brands: Can-Am (Outlander, Renegade, Maverick, Commander), Polaris (Sportsman, RZR, Ranger), Honda (Foreman, Rancher, Pioneer), Yamaha (Grizzly, Kodiak, Wolverine), Kawasaki (Brute Force, Mule, Teryx), Arctic Cat, CFMoto, Kubota, Kymco, Suzuki. No matter what model you have, we will find an insurer. <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">Is my mountain bike covered off trail (private land, competition)?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">Standard coverage includes use on federated trails and on your private property. Organized competition (motocross, enduro, drag) requires a specific clause \u2014 many insurers exclude it by default. Mention this when you submit your claim to avoid a claim refusal.  <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">How can I reduce the price of my mountain bike insurance?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">Several levers: bundle with car\/home (10-15% discount), install a recognized lock (5-10% discount), store in closed warehouse in winter (seasonal discount), increase the deductible to $500 or $1,000, maintain a clean driving record. An Assur360 broker identifies all applicable discounts. <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">Do I have to declare the modifications (tyres, suspension, lift kit)?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">Yes. The modifications increase the value of the ATV and may affect the risk. Raised suspension, 3,500 lb. winch, 30&#8243; tires, or exhaust must be declared. Omitting these changes may result in a denial of the claim or compensation reduced to the original value.  <\/div><\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;\"><summary style=\"padding:18px 22px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:16px;\">What is the difference between ATV, side-by-side and UTV?<\/summary><div style=\"padding:18px 22px;color:#475569;line-height:1.7;font-size:15px;\">The ATV (quad) has a single seat with handlebars, motorcycle style riding. The Side-by-Side (SxS) has 2 side-by-side front seats with steering wheel and pedals \u2014 like a buggy. The UTV (Utility Task Vehicle) is a utility side-by-side, often 4-seater with a tipper. The premium varies: 2-seater < SxS quad < 4-seater UTV, because of the value and number of occupants.   <\/div><\/details>\n <\/div>\n<\/section>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance VTT au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La prime annuelle moyenne se situe entre 350 $ et 1 400 $ selon le type de VTT, la valeur, l'usage (sentier vs terrain priv\u00e9) et le dossier de conduite. Un quad utilitaire standard co\u00fbte 350-650 $, un sport\/motocross 500-900 $, un c\u00f4te-\u00e0-c\u00f4te 2 places 700-1 200 $, un UTV 4 places 900-1 500 $. La soumission Assur360 compare 9+ assureurs pour obtenir le meilleur prix pour votre profil.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance VTT est-elle obligatoire au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La Loi sur les v\u00e9hicules hors route (LVHR) exige une responsabilit\u00e9 civile minimale pour circuler dans les sentiers f\u00e9d\u00e9r\u00e9s FQCQ. Sur terrain priv\u00e9 ferm\u00e9, l'assurance n'est pas obligatoire \u2014 mais vivement recommand\u00e9e puisque votre assurance habitation ne couvre pas les dommages caus\u00e9s par un VTT en usage r\u00e9cr\u00e9atif.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je conduire un VTT avec seulement une couverture responsabilit\u00e9 civile ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, c'est le minimum l\u00e9gal pour circuler en sentier f\u00e9d\u00e9r\u00e9 (500 000 $ ou 1 M $ recommand\u00e9). Mais sans collision ni vol, si votre quad est vol\u00e9 ou endommag\u00e9, vous payez de votre poche. Pour un VTT de plus de 5 000 $, la couverture tous risques est fortement conseill\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles marques de VTT assure Assur360 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Nous assurons toutes les marques : Can-Am (Outlander, Renegade, Maverick, Commander), Polaris (Sportsman, RZR, Ranger), Honda (Foreman, Rancher, Pioneer), Yamaha (Grizzly, Kodiak, Wolverine), Kawasaki (Brute Force, Mule, Teryx), Arctic Cat, CFMoto, Kubota, Kymco, Suzuki. Peu importe votre mod\u00e8le, nous trouvons un assureur.\"}}, {\"@type\": \"Question\", \"name\": \"Mon VTT est-il couvert hors sentier (terrain priv\u00e9, comp\u00e9tition) ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La couverture standard inclut l'usage en sentier f\u00e9d\u00e9r\u00e9 et sur votre terrain priv\u00e9. La comp\u00e9tition organis\u00e9e (motocross, enduro, drag) n\u00e9cessite une clause sp\u00e9cifique \u2014 plusieurs assureurs l'excluent par d\u00e9faut. Mentionnez-le lors de votre soumission pour \u00e9viter un refus de r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Comment r\u00e9duire le prix de mon assurance VTT ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Plusieurs leviers : regrouper avec auto\/habitation (rabais 10-15 %), installer un antivol reconnu (rabais 5-10 %), remiser en entrep\u00f4t ferm\u00e9 l'hiver (rabais saisonnier), hausser la franchise \u00e0 500 $ ou 1 000 $, maintenir un dossier de conduite propre. Un courtier Assur360 identifie tous les rabais applicables.\"}}, {\"@type\": \"Question\", \"name\": \"Dois-je d\u00e9clarer les modifications (pneus, suspension, lift kit) ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les modifications augmentent la valeur du VTT et peuvent affecter le risque. Une suspension sur\u00e9lev\u00e9e, un treuil 3 500 lb, des pneus 30 po ou un \u00e9chappement doivent \u00eatre d\u00e9clar\u00e9s. Omettre ces modifications peut entra\u00eener un refus de r\u00e9clamation ou une indemnisation r\u00e9duite \u00e0 la valeur d'origine.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle diff\u00e9rence entre VTT, c\u00f4te-\u00e0-c\u00f4te et UTV ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le VTT (quad) a un seul si\u00e8ge avec guidon, conduite style moto. Le c\u00f4te-\u00e0-c\u00f4te (SxS) a 2 si\u00e8ges avant c\u00f4te \u00e0 c\u00f4te avec volant et p\u00e9dales \u2014 comme une voiturette. L'UTV (Utility Task Vehicle) est un c\u00f4te-\u00e0-c\u00f4te utilitaire, souvent 4 places avec benne. La prime varie : quad < SxS 2 places < UTV 4 places, \u00e0 cause de la valeur et du nombre d'occupants.\"}}]}<\/script>\n\n<!-- LIENS INTERNES -->\n<section style=\"max-width:1100px;margin:0 auto;padding:40px 20px;\">\n <h2 style=\"font-size:24px;color:#0d1f2d;margin:0 0 20px;text-align:center;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Other-Recreational-Vehicle-Insurance\"><\/span>Other Recreational Vehicle Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/snowmobile-insurance-quote-in-3-minutes\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 22px;text-decoration:none;color:#0d1f2d;display:block;transition:all 0.2s;\"><strong style=\"color:#10c4c7;\">\u2192<\/strong> <strong>Snowmobile Insurance Quebec<\/strong><div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Ski-Doo, Polaris, Arctic Cat, Yamaha<\/div><\/a>\n  <a href=\"\/assurance-moto-quebec\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 22px;text-decoration:none;color:#0d1f2d;display:block;\"><strong style=\"color:#10c4c7;\">\u2192<\/strong> <strong>Motorcycle Insurance Quebec<\/strong><div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Sporty, cruiser, touring, adventure<\/div><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/best-pleasure-boat-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 22px;text-decoration:none;color:#0d1f2d;display:block;\"><strong style=\"color:#10c4c7;\">\u2192<\/strong> <strong>Pleasure boat insurance<\/strong><div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Pontoon, Bowrider, Fishing, Sailboat<\/div><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/rv-motor-insurance-in-quebec-free-quote-2026\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px 22px;text-decoration:none;color:#0d1f2d;display:block;\"><strong style=\"color:#10c4c7;\">\u2192<\/strong> <strong>Motorized RV Insurance<\/strong><div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Class A, B, C, caravan, 5th wheel<\/div><\/a>\n <\/div>\n<\/section>\n\n<!-- EEAT -->\n<section style=\"background:#f0fdfa;padding:60px 20px;\">\n <div style=\"max-width:1100px;margin:0 auto;text-align:center;\">\n  <h2 style=\"font-size:28px;color:#0d1f2d;margin:0 0 16px;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Why-trust-Assur360\"><\/span>Why trust Assur360?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:32px;text-align:left;\">\n   <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:8px;\">\u2713<\/div><strong style=\"color:#0d1f2d;display:block;margin-bottom:6px;\">AMF Certified Broker<\/strong><span style=\"color:#475569;font-size:14px;line-height:1.6;\">Autorit\u00e9 des march\u00e9s financiers du Qu\u00e9bec \u2014 Damage Insurance License.<\/span><\/div>\n   <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:8px;\">\u2713<\/div><strong style=\"color:#0d1f2d;display:block;margin-bottom:6px;\">Member ChAD<\/strong><span style=\"color:#475569;font-size:14px;line-height:1.6;\">Chambre de l'assurance de dommages \u2014 continuing education, compliance, ethics.<\/span><\/div>\n   <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:8px;\">\u2713<\/div><strong style=\"color:#0d1f2d;display:block;margin-bottom:6px;\">100,000+ quotes<\/strong><span style=\"color:#475569;font-size:14px;line-height:1.6;\">15+ years of expertise in recreational vehicle insurance in Quebec.<\/span><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- CTA FINAL -->\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:70px 20px;text-align:center;\">\n <h2 style=\"color:#fff;font-size:34px;margin:0 0 14px;font-weight:800;\"><span class=\"ez-toc-section\" id=\"Get-your-ATV-quote-now\"><\/span>Get your ATV quote now<span class=\"ez-toc-section-end\"><\/span><\/h2>\n <p style=\"color:#c9d6e0;font-size:17px;margin:0 0 30px;max-width:640px;margin-left:auto;margin-right:auto;\">3 minutes \u00b7 9+ Insurers Compared \u00b7 Savings 15-30% \u00b7 Zero Commitment<\/p>\n <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my quote in 3 min<\/a>\n <a href=\"tel:+18663574451\" style=\"background:transparent;border:2px solid #fff;color:#fff;padding:14px 28px;border-radius:8px;font-weight:600;text-decoration:none;font-size:16px;display:inline-block;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/section>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": 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