ATV Insurance Prices

I will be as well. Remember when doing your shopping post your quotes in fact tell them your posting it.

$350 for full coverage on my 06 KingQuad 700 with TD Insurance.

$223 for theft/fire/liability on my 06 King Quad 700 through Economical.

$304.92
Full coverage
2012 AC 700 Limited

2007 Honda Foreman 500 at Angler's and Hunters Insurance is $357 - fire, theft, 1 million liability, and collision. $500 deductible on collision, $300 on comp. Thought about having no collision and changed my mind - eg. you'd have no coverage for trailering if someone hits you, your trailer blows a tire and flips, etc., or you yourself rack it up. Just happened to a guy I know - he got hit on the road while trailering his 2014 Honda and he's now out $13K on the machine (and his bush buggy)because he was not carrying collision.

Any one just paying for Liability?/ I don't care about fire or theft. I just want the bare minimum.

If you have it in a trailer and someone hits you while your driving down the road it is covered by your regular insurance. Same if it is your yard and it's stolen it falls under house insurance.

If someone steals it while I am in the woods it will be street justice. ;)

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Originally Posted by Fenelon

2007 Honda Foreman 500 at Angler's and Hunters Insurance is $357 - fire, theft, 1 million liability, and collision. $500 deductible on collision, $300 on comp. Thought about having no collision and changed my mind - eg. you'd have no coverage for trailering if someone hits you, your trailer blows a tire and flips, etc., or you yourself rack it up. Just happened to a guy I know - he got hit on the road while trailering his 2014 Honda and he's now out $13K on the machine (and his bush buggy)because he was not carrying collision.

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Delmer do you have other stuff with them?

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Originally Posted by delmer

$223 for theft/fire/liability on my 06 King Quad 700 through Economical.

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Originally Posted by greatwhite

Delmer do you have other stuff with them?

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Yes, they have all my vehicles. I've found most companies won't offer coverage (or give a decent rate) unless you have your primary vehicles with them.

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Originally Posted by greatwhite

If you have it in a trailer and someone hits you while your driving down the road it is covered by your regular insurance. Same if it is your yard and it's stolen it falls under house insurance.

If someone steals it while I am in the woods it will be street justice. ;)

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My insurance agent explained to me that if my atv is in the box of my truck and I have an accident, my truck insurance would pay out because it would be considered part of my contents. If pulling a trailer with my atv in it, and I was in an accident, my atv would not be covered for damages unless it had its own collision coverage. My truck insurance is not applicable, as the trailer is a separate vehicle needing its own insurance. Not sure if this is the case with all companies or is just specific to some.

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Originally Posted by greatwhite

If you have it in a trailer and someone hits you while your driving down the road it is covered by your regular insurance. Same if it is your yard and it's stolen it falls under house insurance.

If someone steals it while I am in the woods it will be street justice. ;)

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The way my agent explained that to me is if it has a Provincial license plate it is considered a motor vehicle and needs it's own policy. Even my utilty trailer has a policy for theft. I learned this the hard way when somebody stole it out of my driveway with my snowmobile in it. Sled had it's own policy but the trailer did not qualify under my home policy. You may want to get written confirmation of this to avoid an unpleasant surprise.