FYI, no insurance companies in Alberta will insure an ATV being used by a 'child' and the majority won't insure anything classified as a 'kids' atv (under 120cc). If you need insurance, it needs to be 'ridden and insured by an adult' if it's a 'smaller' quad. Good luck - it's mandatory to have registration, but becoming almost impossible to get insurance on these little quads. Thanks to everyone that sued after their kid ran into a tree!
Also, I had a chinese quad that no one would insure - they told me the claims against them were too high, and they would no longer insure anything from that manufacturer. Not that I needed another reason to hate that piece of junk, but there it is... :d Buyer beware!