Off-Road Vehicle Insurance provided by [pods name="amplispot_custom_setting_page" id="43" field="name_of_the_company"] .

Most off-road vehicles are built for adventure — whether you’re enjoying the trail on a snowmobile or hitting the apex on your dirt bike. But before you hit the trails, you’ll want to make sure you’ve got the protection you need to enjoy your rugged adventures worry-free.
Why Off-road vehicle insurance ?

Your off-road vehicle isn’t street legal, so your auto insurance won’t cover it. Although it’s your personal property, your home insurance policy probably doesn’t either. So what should you do?

Protect yourself and your off-road vehicles with an off-road vehicle insurance policy.

Not all off-road vehicles are the same, so you might not realize how many of them can be insured by the same type of coverage.

  • ATVs – 3, 4, or 6 wheels
  • Golf carts
  • Dune buggies
  • Dirt bikes
  • Snowmobiles

If you’ve got multiple “toys,” you’ll need an insurance policy that can cover you from all angles. The accidents you can get into in a golf cart are different from the ones that happen on a dirt bike.  We can help you choose a policy that covers all of your off-road vehicles, no matter what kind you have.

What Off-Road Vehicle Insurance Covers

Riding means staying aware of your surroundings, anticipating the weather and the moves of others around you. If an accident were to happen, off-road insurance can protect you. What does it mostly cover? (Check with us to be sure)

  • Bodily injury to someone else or property damage that you accidentally caused while driving your snowmobile, golf cart, or ATV
  • Bodily injury to yourself because of an accident with an uninsured rider
  • Damage to your snowmobile, golf cart or ATV caused by an accident
  • Theft, fire, vandalism, and other losses even while your off road vehicle is in storage
Is your ATV covered by your home insurance policy or your auto insurance policy?
  • Typically, a home insurance policy will cover an ATV on your property only
  • On the trails, away from home, you’ll need an ATV insurance policy to be covered
  • Many standard auto insurance plans don’t include off-road coverage (Check with us to know more about this)

Click and learn about the risks

What is importance of Off-Road Insurance?

Whether they are used for leisure, sport, or transportation around off-road locations, dirt bikes and other off-road vehicles can be fun for riders of all ages. Passenger vehicles on roadways require extensive auto insurance coverage before they can be operated legally, and owners of off-road vehicles should consider treating their dirt bikes, motorbikes, and ATVs in the same regard.

In the case of collision, theft, vandalism, or other damage, off-road vehicle owners may want to have adequate insurance coverage for help with repair or replacement.

The better your insurance, the sooner you will be back to your preferred off-road leisurely activity. No one wants to have an accident but when it happens, make sure you’re covered.

We know how important it is to cut loose and have fun when you work hard for your family. Let us help you insure your fun so an accident doesn’t slow you down for too long. Contact us today!

Property Coverage to Others

Risk Factors
While driving your off-road vehicle, you may meet an accident and can cause and damage someone’s personal property.
Solution
If you accidentally damage to someone else’s property, such as a fence or vehicle, property damage liability coverage may help pay for repairs.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Liability Coverage to others

Risk Factors
While driving your off-road vehicle, you may meet an accident and can cause damage to other people involved in that accident
Solution
If you have an accident and you’re found liable for someone else’s injuries, bodily injury liability coverage may help cover that person’s medical bills.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Collision with tree Coverage

Risk Factors
Off-road can be quite dangerous and you may end up having a collision with a tree which can cause damage to your vehicle.
Solution
If you hit a fallen tree, collision coverage may help cover the cost of repairs to your vehicle.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Collision with others

Risk Factors
There might be instances where you have a collision with another off-road vehicle and end up damaging the vehicles.
Solution
If you hit another off-road vehicle, collision coverage may help cover the cost of repairs to your vehicle.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Theft Coverage

Risk Factors
Your forgot to lock your motorcycle and the theft stole your motorcycle parked outside your house. You need to pay for legal fees and suffer a huge loss.
Solution
If your off-road vehicle is damaged by something other than a collision, comprehensive coverage may help pay for repairs. It may help pay to repair or replace it.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Insured's injury Coverage

Risk Factors
While creeping down a mountain trail on your ATV, a rocky patch catches you off guard & you dislocate your shoulder when you’re thrown to the ground.
Solution
Medical payments can help with medical costs when you’re injured in a covered accident.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Uninsured Driver's Coverage

Risk Factors
Your dirt bike is parked at the course when it’s hit and knocked over by a distracted driver who doesn’t have any insurance.
Solution
Uninsured motorist coverage can help when damages or injuries are caused by someone who isn’t properly insured.

Note:  Please talk to your financial consultant to check all the facts before proceeding