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Known off-road as “side-by-sides,” UTVs or Utility Task/All Terrain Vehicles are built to handle the toughest terrains in the spirit of adventure. But these powerful vehicles are more accident liability. than that — they’re also put to work in fields and on farms. Whether you drive a UTV for fun or work, this robust vehicle is the perfect companion for off-road adventures and tough terrains. And just like any ride, you need protection outside of the staple seat belts and rollover protection. It’s for the safety of passengers riding with you and the expanded payloads you take through tough terrains.

What Is UTV Insurance?

Just like any other vehicle, you need the right insurance plan to drive a UTV through tough terrains and off-road paths. A comprehensive UTV insurance policy guarantees your safety through any outdoor recreational adventure, with specialized protection for the unique build of rugged side-by-sides.

UTV insurance covers what you can expect from any auto or recreational vehicle insurance — physical damage and the cost of repairs, personal injury, income replacement, and third party liability coverage in case of accidents, theft, and other damage.

UTV Damage

You need your side-by-side to take you places and navigate through the toughest terrains — and even if it’s built exactly for this, it’s not completely safe from damage. UTV insurance protects your recreational vehicle from direct and accidental damage, including an upset or collision. As well, those sustained from theft and vandalism, and natural events like lightning. Your UTV insurance covers the cost of repairs or necessary replacement.

UTV Accident Liability

A collision or upset involving your UTV isn’t just about damage to your property — it often involves other parties too. If you are found at fault or liable for the accident, you may be required to compensate the other parties. This includes damage to their property, as well as physical injuries they sustained, or worse, death.

A comprehensive UTV insurance plan includes accident liability. This can help cover the cost of legal fees and settlements to shield you from the financial fallout of an unfortunate accident.

Personal Injury Coverage

Side-by-sides are large and rugged — they’re built to tackle tough terrains on off-road drives. Unfortunately, this means they could also seriously injure people involved in an upset or collision. While medical care isn’t a problem in Atlantic Canada, the concern is in restoring quality of life after the accident.

Your UTV insurance plan covers personal injury expenses, including rehabilitative treatments and disability benefits, as well as income replacement for lost wages. In the case of a severe accident that results in loss of life, your family may also be entitled to a death benefit to help secure their financial future.

Ask Our Brokers About UTV Insurance

At Archway Insurance, our brokers know all about the thrills — and the risks — of side-by-sides. Our insurance brokers work with all major insurance providers to provide you with a range of options to tailor the right UTV insurance coverage for your needs.

Simply tell us about your side-by-side, where you drive to, and what you use it for so we can match you with the right insurance plan. Trust us to equip you with a comprehensive UTV insurance plan to protect you through the toughest terrains.


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"The service I received from Stacie at Archway Insurance was more than excellent. The service was fast and Stacie was very knowledgeable and helped educate me on what I needed to do. I would highly recommend this company for your insurance needs. They are exceptional."
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"Customer service at Archway is exceptional. I have always had positive experiences and the staff are professional, responsive and courteous. Would highly recommend them."
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Mike W Google Review
"We live in Ontario and my son is attending College in Sydney which made arranging insurance a bit more difficult. Archway was amazing, the Customer Service I received was top notch. Great people to deal with."
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