Whether you’re a thrill seeker or a utilitarian when it comes to having an ATV, we’ve got you covered. We’ll work with you to understand your ATV requirements and the specific details of your machine. Many power sport vehicle owners assume they can get by with limited ATV insurance but at a minimum you should have liability coverage, medical payments to protect you in the event you suffer an injury, comprehensive insurance to provide coverage in the event of a theft, fire or vandalism and uninsured driver coverage for damage caused by uninsured or underinsured drivers. Other considerations include collision coverage, trailer insurance, and equipment insurance (hauling camping/fishing gear). We’ll put together options so you can be confident you have the protection you need for both you and your ATV.

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1-888-278-7584

1-888-278-7584

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Call Advocate today for an ATV Insurance quote.

Am I covered for items stolen from my vehicle?

Clients are often confused about how this is handled. If the items stolen are permanently attached to your vehicle, for example the stereo system, then it is covered under your auto policy. However if an item like your briefcase, purse or sports equipment is stolen, then you would claim that under your personal property policy (i.e. home or tenant insurance). Limits and deductibles apply so please call us to discuss.

My son/daughter just started driving, do I need to inform Advocate?

G1: As a G1 licensed driver, you are not required to be listed on the auto insurance policy as a driver and there is no premium associated with a G1 driver. However, we always ask that you contact us to advise of newly licensed drivers in the household so we can document your policy accordingly.

G2: You need to contact our office when your child obtains their G2 license. At this point, they are required to be listed as an operator on your policy. Please be sure to obtain a copy of their Driver History Report from Service Ontario if they have completed an approved Driver Training Course. This is required in order to apply for a Driver Training discount on your premium.

G: Please contact our office when you child obtains their full G license so your insurance record can be updated.

Do I really need an umbrella policy?

Consider for a moment whether it is possible that you could ever be sued.  Do you drive a car? Do you have children? Do you have a dog? Do you ever entertain at your home? Do you or your kids use social media? If you answered ‘yes’ to any of these questions you are personally at risk. Despite best intentions, injuries and property damage can occur.  That’s why home and auto insurance policies have liability coverage.

But what happens when that limit is used up? When was the last time you increased your liability coverage? It likely won’t be a surprise to you that court award judgments are on the rise.  An umbrella liability policy is an excellent way to bring an additional layer of protection for you and your family. Ask us to provide a quote for your consideration because we want you and your assets to be protected.

What information do I need to apply for auto insurance?

The Ontario Automobile Policy is regulated by the Government, including what information can be used to base your rate on. This includes a number of details about your vehicle and about the individuals driving the vehicle and/or who reside in your home. For example you will need to provide – address, date of birth, date you were licensed, year/make/model/VIN of your vehicle, how your vehicle is used (i.e. commuting to work), annual mileage you drive, and driving record (dates/details of claims, tickets and accidents). This is not an exhaustive list but will give you an idea of the key information required to get auto insurance.

What happens if I lend someone my vehicle and they get in an accident?

When you lend your vehicle, you also lend your insurance. In the event someone is involved in an accident while using your vehicle, your own policy will apply and your insurance company will respond for the accident. Please remember that depending on the nature of the accident this could impact your insurance record and your insurance rates.

  • "We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."

    - S. Hunter
  • "After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."

    - D. Kalinowski
  • "Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"

    - D. MacDougall
  • "I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."

    - C. Johnson
  • "We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."

    - S. Hunter
  • "I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."

    - C. Goga
  • "My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."

    - J. Anthony
  • "I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."

    - D. Kalinowski
  • "With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."

    - K. Crane
  • "Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."

    - S. Dunn