{"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":"2026-04-20T15:12:52","modified_gmt":"2026-04-20T19:12:52","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":"\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\": \"Qu\u00e9bec\"},\n  \"serviceType\": \"Assurance c\u00f4te-\u00e0-c\u00f4te, UTV, side-by-side, v\u00e9hicule hors route\"\n}\n<\/script>\n\n<p 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 RC, 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 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 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<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. Mod\u00e8les 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. Assurance 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 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;\">Type UTV Typical<\/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 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 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\": \"L'assurance c\u00f4te-\u00e0-c\u00f4te est-elle obligatoire au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Tout UTV immatricul\u00e9 \u00e0 la SAAQ doit avoir une responsabilit\u00e9 civile minimale de 500 000 $. Sur les sentiers f\u00e9d\u00e9r\u00e9s, la FQCQ exige g\u00e9n\u00e9ralement 1 000 000 $.\"}},\n    {\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre un UTV et un VTT ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un VTT (quad) se chevauche comme une moto. Un UTV (c\u00f4te-\u00e0-c\u00f4te) ressemble plus \u00e0 une petite voiture : deux si\u00e8ges c\u00f4te \u00e0 c\u00f4te, volant, ceintures et cage de s\u00e9curit\u00e9.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance UTV au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"De 380 $\/an pour un utilitaire 2 places de base \u00e0 1 500 $\/an pour un sport haut de gamme modifi\u00e9.\"}},\n    {\"@type\": \"Question\", \"name\": \"Mon UTV est-il couvert sur ma terre priv\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, la plupart des polices couvrent l'usage sur terre priv\u00e9e, sentier f\u00e9d\u00e9r\u00e9 FQCQ et chemin forestier.\"}},\n    {\"@type\": \"Question\", \"name\": \"Dois-je d\u00e9clarer les modifications sur mon UTV ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les modifications non d\u00e9clar\u00e9es peuvent entra\u00eener un refus de paiement en cas de r\u00e9clamation. D\u00e9clarez tout \u00e9quipement qui augmente la valeur ou modifie la performance.\"}},\n    {\"@type\": \"Question\", \"name\": \"Le vol et le vandalisme sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, avec une police multi-risques. Un antivol homologu\u00e9 et un stationnement s\u00e9curis\u00e9 sont recommand\u00e9s pour obtenir une prime avantageuse.\"}},\n    {\"@type\": \"Question\", \"name\": \"Puis-je assurer plusieurs UTV sur la m\u00eame police ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Un regroupement multi-v\u00e9hicules (UTV + motoneige + VR) offre souvent un rabais de 5 \u00e0 15 % sur la prime totale.\"}},\n    {\"@type\": \"Question\", \"name\": \"Comment r\u00e9duire ma prime d'assurance UTV ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Regrouper vos polices, ranger votre UTV dans un garage verrouill\u00e9, installer un traceur GPS, augmenter la franchise et adh\u00e9rer \u00e0 un club FQCQ peuvent r\u00e9duire votre prime de 15 \u00e0 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>ChAD<\/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\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"V\u00e9hicules r\u00e9cr\u00e9atifs\", \"item\": \"https:\/\/assur360.ca\/assurance-vehicule-recreatif\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance c\u00f4te-\u00e0-c\u00f4te (UTV)\", \"item\": \"https:\/\/assur360.ca\/assurance-cote-a-cote\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46380,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_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":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15751","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15751"}],"version-history":[{"count":20,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15751\/revisions"}],"predecessor-version":[{"id":57719,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15751\/revisions\/57719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/46380"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}