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ATV Safety Tips

ATVs provide safe and exciting opportunities for families and groups to enjoy the outdoors. Although most ORV (Off-Road Vehicle) owners ride responsibly, more than 100 Manitobans are injured or killed in ORV collisions each year. Enjoy a safe ride by following these tips for operating your ATV:

Eye protection
Eye protection should be used with full face or open face helmets. Regular sunglasses do not provide adequate protection on an ATV. A face shield or goggles will better protect you.

Clothing / Protective Gear
Boots, gloves and fitted clothing such as long pants/shirt or jacket, are all recommended. For best protection wear off-road riding gear that includes pants with kneepads and a shirt with chest and shoulder protectors.

Multiple passengers are a factor in many injuries and fatalities. Don’t ride with passengers unless your ATV is specifically designed to hold more than one person. Carrying passengers is unsafe as it disrupts the balance and stability of the machine.

Trail etiquette
Ride only on trails where ATV use is allowed and be respectful to everyone you come across.

Hand signals
Communicating while riding can be a challenge. Hand signals are an effective solution.

It is recommended that you do a pre-ride and post-ride inspection before and after every ride. Below is a comprehensive inspection checklist.

Tires and wheels

  • Always maintain the recommended tire pressure. 
  • Check for cuts or gouges that could cause air leakage. 
  • Make sure axle nuts are tightened and secured by cotter pins.


  • Make sure the throttle moves smoothly and snaps closed with the handlebars in any position.
  • Make sure the brakes operate smoothly and are adjusted according to the owner’s manual.
  • Make sure the foot shifter is firmly attached and positioned for safe operation.

Lights and switches

  • Check the position of the ignition switch (if equipped) and make sure it works by switching it on and off during your warm-up.
  • Be sure the engine stop switch turns off the engine. 
  • Ensure all lights (if equipped) are working.

Oil and fuel

  • Ensure you have enough oil and fuel for your trip. 
  • Check for leaks.
  • Be sure the air filter is clean and not torn or blocked.

Chain/driveshaft and chassis

  • Inspect, adjust and lubricate the chain regularly. 
  • Check drive shaft for oil leaks and maintain oil supply as outlined in your owner’s manual.
  • Look and feel for loose parts while the engine is off.


Whether you’re riding alone or in a group, you should also tell someone where you’re going and how long you expect to be gone.

If you're taking your ATV out for a ride you want to be confident that you have proper insurance coverage. Our exclusive ORV insurance policy provides you with superior coverage, giving you peace of mind so that you can enjoy a worry-free ride.

Contact your local branch to speak with one of our insurance professionals.



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