{"id":15751,"date":"2018-11-01T10:34:59","date_gmt":"2018-11-01T14:34:59","guid":{"rendered":"https:\/\/www.assur360.ca\/side-by-side-insurance-3\/"},"modified":"2026-06-26T03:44:07","modified_gmt":"2026-06-26T07:44:07","slug":"side-by-side-insurance-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/side-by-side-insurance-3\/","title":{"rendered":"Side-by-Side Insurance (UTV) Quebec 2026: Compare 30+ Insurers"},"content":{"rendered":"&#8220;`html\n\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/assur360.ca\/assurance-cote-a-cote\/\",\n  \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/07\/logo-assur360.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"Thetford Mines\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G\", \"addressCountry\": \"CA\"},\n  \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Quebec\"},\n  \"serviceType\": \"Side-by-side insurance, UTV, side-by-side, off-road vehicle\"\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Do you own a <strong>side-by-side (UTV),<\/strong> utility or off-road sport vehicle? <strong>Assur360<\/strong> mobilizes a network of <strong>AMF-certified brokers<\/strong> who compare more than 9 specialized insurers to find you the ideal coverage \u2014 in less than 3 minutes, with no fees or commitments.<\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\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-cote-a-cote.jpg\" alt=\"Side-by-side off-road \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Side-by-Side-Insurance-UTVSXS-in-Quebec\"><\/span>Side-by-Side Insurance (UTV\/SXS) in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Side-by-side<\/strong> (UTV) requires specific insurance separate from the quad \u2014 mandatory liability, theft and collision recommended given the value ($15,000-40,000).<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Off-road:<\/strong> federated trail coverage, trailer transportation included. Many insurers offer a seasonal discount (October-May) if stored inactively. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Side-by-Side-Insurance-UTV-in-Quebec\"><\/span>Side-by-Side Insurance (UTV) in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare 9+ specialty insurers. Save up to 35% on your UTV premium. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-rv-insurance-quote\/\" 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<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div><div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">35 %<\/div><div style=\"color:#64748b;font-size:13px;\">Medium Savings<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div><div style=\"color:#64748b;font-size:13px;\">To submit<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div><div style=\"color:#64748b;font-size:13px;\">No obligation<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-insure-your-side-by-side-with-Assur360\"><\/span>Why insure your side-by-side with Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A <strong>UTV<\/strong> (utility task vehicle) can be worth anywhere from $15,000 to $70,000 \u2014 sometimes much more with accessories. Good coverage not only protects your machine, but also your liability on federated trails, at a friend&#8217;s house, or on your private property. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Full coverage<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Third party liability, <strong>collision<\/strong>, theft, vandalism, fire, third-party damage \u2014 everything you need to ride in peace.<\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd4\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">UTV Specialists<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Our brokers know sport <strong>, utility, 2-seater and 4-seater UTVs<\/strong> \u2014 and the particularities of Polaris, Can-Am, Yamaha and other models.<\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Get Best Price<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">By comparing 9+ insurers, our customers save <strong>an average of 35% on their premium side-by-side<\/strong>.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Side-by-Side-Covered\"><\/span>Types of Side-by-Side Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">All categories of UTVs sold in Quebec are insurable, regardless of power, use or number of seats.<\/p>\n\n&#8220;`\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Utility side-by-side<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">For agricultural, forestry or construction work. Models like Polaris Ranger, Can-Am Defender, Kubota RTV, John Deere Gator. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Sport side-by-side<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Performance, long suspension, 100+ HP engine. Models Polaris RZR, Can-Am Maverick X3, Yamaha YXZ1000R. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">2-seater UTV<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Classic driver + passenger configuration. Ideal for leisure and couples hiking on FQCQ trails. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">4-seater UTV (crew\/max)<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Extended cabin for 4 passengers. Perfect for the family. Civil liability coverage to be adjusted according to the number of occupants.  <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Electric UTV<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Polaris Ranger XP Kinetic, Volcon Stag, hybrid models. Insurance adapted to the battery and on-board electronics. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Modified UTV<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Lift kit accessories, XL wheels, winch, hardtop, reinforced cage. <strong>Always report changes<\/strong> to your broker.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-4-steps-to-get-your-UTV-quote\"><\/span>The 4 steps to get your UTV quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">3 minutes: make, model, year, engine capacity, value, use (federated trail, private land, work) and postal code.<\/p><\/div><\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">An AMF broker will call you back<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Within 24 hours, a broker specializing in off-road vehicles analyzes your needs and verifies your file.<\/p><\/div><\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compare offers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Receive 2-3 detailed quotes (best price, best coverage, value option).<\/p><\/div><\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Subscription and certification<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, payment, certificate issued immediately \u2014 you are insured in minutes.<\/p><\/div><\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Tip: storage and lock<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Storing your UTV in <strong style=\"color:#ffffff;\">a locked garage or shed<\/strong> can reduce your premium by 10-15%. Installing an <strong style=\"color:#ffffff;\">approved lock (clog, chain, GPS tracker)<\/strong> gives you access to an additional discount. A member of the <strong style=\"color:#ffffff;\">FQCQ<\/strong> also often gets a discount.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-Rates-%E2%80%94-Side-by-Side-Insurance-in-Quebec\"><\/span>2026 Rates \u2014 Side-by-Side Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Here is an indicative range of annual premiums for recreational use in Quebec, 30+ year old driver with a good record.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n<thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Typical UTV Type<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Value<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Annual Premium*<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Usage<\/th><\/tr><\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">2-passenger utility vehicle<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$15,000 \u2013 $25,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$380 \u2013 $620Leisure<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\/ work<\/td><\/tr>\n<tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">4-seater utility vehicle (crew)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$20,000 \u2013 $35,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$450 \u2013 $780Family<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">leisure<\/td><\/tr>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">2-person sport<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25,000 \u2013 $45,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$580 \u2013 $980Trail<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\/ Off-trail<\/td><\/tr>\n<tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">4-person sport<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$30,000 \u2013 $55,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$680 \u2013 $1,150Trail<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\/ off-trail<\/td><\/tr>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Electric UTV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25,000 \u2013 $40,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$520 \u2013 $850Leisure<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\/Work<\/td><\/tr>\n<tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Modified Premium UTV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50,000 +<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$950 \u2013 $1,500Sport<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\/Racing<\/td><\/tr>\n<\/tbody><\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:32px;text-align:center;margin:40px 0;\">\n  <h3 style=\"color:#ffffff;font-size:22px;margin:0 0 12px;\">Your side-by-side deserves the best protection<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 24px;\">Free quote in 3 minutes, 9+ insurers compared.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Compare Now<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Side-by-side-insurance-anywhere-in-Quebec\"><\/span>Side-by-side insurance anywhere in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 insures UTV owners in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>Thetford Mines<\/strong>, as well as in all forest and agricultural regions (Abitibi, Mauricie, Lanaudi\u00e8re, Bas-Saint-Laurent, Gasp\u00e9sie, C\u00f4te-Nord, Chaudi\u00e8re-Appalaches).<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Products\"><\/span>Related Articles and Products<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/quad-atv-side-by-side-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Quad insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Quad \/ ATV protection on federated trails FQCQ and private land.<\/p><\/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:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Mountain bike insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Coverage for your sport, utility or youth ATV.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/snowmobile-insurance-quote-in-3-minutes\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Snowmobile Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your snowmobile on the Trans-Qu\u00e9bec trails.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/motor-insurance-quick-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Motor insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Coverage for Class A, B, B+, C and Super C motorized RVs.<\/p><\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Side-by-Side-Insurance\"><\/span>Frequently Asked Questions \u2014 Side-by-Side Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is side-by-side insurance mandatory in Quebec?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Any UTV registered with the SAAQ must have a <strong>minimum civil liability of $500,000<\/strong>. On federated trails, the FQCQ generally requires <strong>$1,000,000<\/strong>. Our brokers recommend <strong>$2,000,000<\/strong>.  <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between a UTV and an ATV?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An <strong>ATV<\/strong> (quad) overlaps like a motorcycle. A <strong>UTV (side-by-side) is<\/strong> more like a small car: two seats side by side (hence the name), steering wheel, seatbelts, pedals and roll cage. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does UTV insurance cost in Quebec?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">From <strong>$380\/year<\/strong> for a base 2-seater utility vehicle to <strong>$1,500\/year<\/strong> for a modified high-end sport. Get your exact price via our <a href=\"https:\/\/www.assur360.ca\/en\/quad-insurance-quote-online\/\">free quote<\/a>. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is my UTV covered on my private land?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, most policies cover use on <strong>private land, FQCQ federated trail and forest road<\/strong>. Use on public roads is only permitted in specific cases (regulated crossing). <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to declare the modifications (lift kit, winch, cage)?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, absolutely. Undeclared changes may result in <strong>a refusal of payment<\/strong> in the event of a claim. Tell your broker about any equipment that increases the value or changes the performance of the UTV.  <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is theft and vandalism covered?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, with a <strong>multi-risk<\/strong> policy. Theft is a real risk (UTVs visible, easily transportable). An approved lock and secure parking are recommended to obtain an advantageous bonus.  <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I insure multiple UTVs on the same policy?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. A <strong>multi-vehicle bundle<\/strong> (UTV + snowmobile + RV) often offers a 5-15% discount on the total premium. Ask your broker for the combination. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I reduce my UTV insurance premium?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Consolidating your policies, storing your UTV in a <strong>locked garage<\/strong>, installing a <strong>GPS tracker<\/strong>, increasing the deductible, and joining an <strong>FQCQ club<\/strong> can reduce your premium by 15 to 30%.<\/div><\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\": \"Question\", \"name\": \"Is side-by-side insurance mandatory in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. 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A multi-vehicle bundle (UTV + snowmobile + RV) often offers a 5-15% discount on the total premium.\"}},\n    {\"@type\": \"Question\", \"name\": \"How do I reduce my UTV insurance premium?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"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%.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Chamber of Insurance<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Network of <strong>13 brokerage firms<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokerage<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% Quebec<\/strong> service in French<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE 2026<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Ready to drive with peace of mind?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare the best UTV insurance in Quebec in 3 minutes.<\/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<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Recreational Vehicles\", \"item\": \"https:\/\/assur360.ca\/assurance-vehicule-recreatif\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Side-by-Side Insurance (UTV)\", \"item\": \"https:\/\/assur360.ca\/assurance-cote-a-cote\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;`html 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46380,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"UTV Quebec Side-by-Side Insurance 2026 | 30+ insurers compared","_seopress_titles_desc":"Side-by-side insurance UTV Quebec: utility, sport, 2\/4 seater, electric. Free 3 min quote, savings up to 35%. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Side-by-side insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker.  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