Popping on a helmet to begin an ATV ride is a great way to spend a fun day outdoors. But before you turn the key in the ignition, look at these five questions you should ask yourself before you hit the trails.

Is my ATV equipped for my ride?

Are you aware of the basic equipment necessary to install or to safely operate your ATV? If you are unsure, consult your province’s Off-Road or Off-Highway Vehicles Act. This set of laws dictates what you would need to have on your ATV to make this vehicle safe. In Nova Scotia, ATVers must have the following equipment to ride their vehicle:

• a helmet worn by any rider
• a muffler at least as quiet as the one that came from the manufacturer
• a white light visible light in front and at least one red light on the rear of the vehicle
• a spark arrester
• a registration plate clearly visible on the back that is clean and displayed horizontally. 

Which trail should I take?

Most provinces in Canada have trails marked and groomed for ATVers to ride and enjoy. These trails wind through the natural beauty this country has to offer. There are many websites that list these trails for adventurers to map out a day of outdoor fun. Good sites share with users trails with detailed information about the area along with lodging and amenities available along these roadways. 

What are the rules of the “road”?

What are the rules of the “road” when it comes to driving an ATV? Some of the regulations in Nova Scotia state the following for ATV drivers:

• drivers are permitted to be driven on roadways in the same direction as traffic using the same side of the highway under certain conditions
• drivers are not allowed to drive their vehicle on wetland, watercourses, dunes, barren or other sensitive areas
• ATVs must travel in single file and are not allowed to pass when riding in pilot areas

Do I need insurance to ride or own an ATV?

Yes, you do! ATV drivers must have Public or Personal Liability and Property Damage (PLPD) insurance. This type of insurance covers any damages you may cause to other people or their property when driving a vehicle. Family Protection Endorsement may also be included in your policy which provides coverage for riders under the age of 18 or a family member. PLPD coverage may also differ depending on the province you live in.

It is also a good idea to have a policy to insure your ATV and its accessories (such as helmets or a tailer) against partial or total loss, or theft.

ATVing is a fun activity to do, no matter what part of Canada you live in. Knowing what is expected of drivers and riders and being protected while on the ATV trails makes your outdoor adventure makes your ride one to enjoy. Not sure if you are covered while on an ATV? Contact an OTC Insurance Broker or click below to start a quote today.

SOURCES

https://nslegislature.ca/sites/default/files/legc/statutes/off-highway%20vehicles.pdf
(NS Off-Highway Vehicles Act)
https://novascotia.ca/natr/ohv/handbook/pdf/7RandR.pdf 
https://www.alltrails.com/canada/nova-scotia/off-road-driving
https://www.saltwire.com/cape-breton/opinion/road-rules-what-you-need-to-know-about-nova-scotias-ohv-pilot-project-249547
https://www.fsco.gov.on.ca/en/auto/autobulletins/archives/Documents/a-04_90-42.pdf