We’re talking about the most fun, and sometime highly dangerous vehicles here. We like this stuff because it’s risky, but that doesn’t mean we ignore protecting ourselves against the situations we’d rather not think about.
Covered Vehicles:
- Snowmobiles
- Dirt bikes
- Dune buggies
- Golf carts
- 3-wheel, 4-wheel and 6-wheel ATVs
- And more, just ask!
Our Focus for Off-Road Vehicle Policies:
- Year-Round Coverage
- Safety Apparel Coverage
- Towed Trailer Coverage
- After-Market Parts & Accessories
- Transport Trailer
- Collision Coverage
- Increased: Limits on Liability
There’s a nuance to choosing the right coverage, learn the basics of insuring all sorts of vehicles on our Vocab Page. Here are some things that pertain especially to Off-Road Vehicles:
Other-Than-Collision Coverage
Provides protection for damage to a covered auto from perils other than collision such as fire, theft or larceny, explosion or earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, contact with an animal, or glass breakage. You may also hear this referred to as “comprehensive” coverage.
Extra Liability Coverage
Goes above the normal limits to protect you from liability in an accident.
Safety Apparel Coverage
This provides coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
Any questions?
Is it Possible to Bundle these Machines with other Types of Vehicles like cars or motorcycles?
Yes, in fact the value of working with an agency like ours is that we’ll talk to you about everything you value in your life and find the best coverage to protect it all at competitive rates. We can “Risk Manage” your life by identifying all the risks you take and putting the correct coverage on your account to protect against the hiccups.
If Someone is Riding with Me, Is That Person Covered in a Wreck?
Yes, under Liability Coverage of your policy.
Can I Still Get Covered If My Driving Record is … Complicated?
Given that this equipment is meant to be off the roads, your driving record most likely will not play a factor. In the case that your record includes major accidents, or even fatalities, there are “High Risk Insurance” options that we can pursue.
