If you use your ATV on public property or to cross public roads you must have it insured, by law in Ontario. If you only use your ATV on private property it is not mandatory, however, it is recommended.
Having insurance on your ATV or Off-road vehicle does not mean that you can use them on public roads. However, you are able to ride on the shoulder of public roads where it is permitted and also cross public roads at the marked trail crossings. For more information visit the Ministry of Transportation Ontario.
Yes, your driving record will impact your ATV insurance quote. This means if you have a speeding ticket or at fault accident on your driving record you can expect that it will factor into your rating.