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.

How do I know what auto insurance coverage I need?

Although the Ontario Automobile Policy is a standard policy that is regulated by the government, it is still a very complex product. There are many optional benefits that are available based on your own personal needs. Always work with a licensed insurance broker who will take the time to discuss your options with you and help you make informed decisions.

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.

What should I do in the case of a hit and run?

It is important to report this to the police within 48 hours and to have a police report available to share with the insurance company. In hit and run instances, the claim will be considered not at fault if it is reported to the police, but your collision deductible will apply.

If my car is in storage, do I still need insurance?

Even if you aren’t driving your vehicle and you have put it into storage, you will want to make sure your car remains protected against things like fire, theft and vandalism. Some companies will also require that your accident benefits coverage remain in force. Our licensed brokers will be happy to talk about options that are available to you.

Do I need to inform Advocate if I start driving for a ride sharing program such as Uber?

Yes. How you use your vehicle has an impact on your insurance. Your insurance company will want to know if you use your vehicle for a ride sharing program. Although Uber now has their own fleet policy in place for their employees, some insurance companies have different requirements if you are driving for Uber. It’s always best to check. Let us know if you’d like to discuss how the insurance companies that we work with, handle ride sharing vehicles.

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