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Insurance

Mandatory Insurance

Civil Lability Insurance of at least $1,000,000.

In effect since October 2, 1997, the Act respecting the off-road vehicles provides that any off-highway vehicle owner shall hold a civil liability insurance contract in an amount of not less than $500,000 that covers bodily injury and property damage caused by the vehicle. Failure to fulfill this obligation may expose you to a fine varying from $250 to $500.

In fact, the Société de l’assurance automobile du Québec (SAAQ) does not collect any civil liability insurance contribution when it issues the license plate of your off-road vehicle. Here are situations for which the SAAQ does not pay any compensation:

  • Collision between an off-road vehicle and a pedestrian in a quad/snowmobile trail.
  • Collision between an off-road vehicle and a parked vehicle on a public road.
  • Collision between an off-road vehicle and a pedestrian on a public road.
  • Collision between two off-road vehicles on a public road.
  • Collision between two off-road vehicles in a marked trail.
  • Collision between two off-road vehicles on a public property where there is no trail.

Therefore, you need to subscribe to a liability insurance coverage of your choice to be eligible to a compensation.

In case of an accident, any damage to your clothing is considered a physical injury. Moreover, you will not be compensated by the SAAQ (as it would be the case in case of an automobile driver) if you were to be implicated in any of the previously stated scenarios. The private insurer will handle compensations if needed.

IAdditional Insurance

Property Damage Insurance

You can also contract additional insurance coverage for damage to your vehicle. This coverage is not mandatory but if you decide to take out insurance, there are multiple choices:

  • Collision or spill: covers damage to your vehicle when you are responsible for the accident or the accident does not involve another vehicle (when your vehicle overturns, for example). This protection also covers damage resulting from a hit-and-run.
  • Accidents without collision or spill: covers several risks, including fire, theft, vandalism and broken glass.
  • Specified Perils: Covers only certain perils specified in your policy, including fire and theft.

Bodily Injury Insurance

It is also possible for you to contract insurance for Bodily Injury.

Because liability insurance only covers damage caused to others, your own personal injuries will not be covered in the event that responsibility is deemed yours.   

Also take note that in the event of an accident, damages to your clothing is considered bodily damage and will therefore be covered accordingly by your insurer.

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