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About Off Road Vehicles Insurance
Off Road Vehicles insurance covers a broad swathe of alternative and recreational vehicles. The coverage may extend to your ATV, snowmobile, golf cart, dune buggy, or Segway. Motorized wheelchairs and certain kinds of scooters also fall into this category.
Getting off road vehicles insurance is relatively easy. Both mainline and specialty insurance providers offer coverage on a nationwide basis. You simply need to select the provider that best meets your needs for your off road vehicles, whichever type they may be.
In some cases, it may be necessary to ask if coverage is offered. Off road vehicles coverage can be available under a variety of names. Make calls and collect multiple quotes to ensure you are exploring all your options for coverage and getting the best deal you can.
Information Needed For An Off Road Vehicles Insurance Quote
To get an off road vehicles insurance quote, you will need to provide full disclosure about the vehicle in question. What is the make, model, and year? Where will it be used, on private property or on public courses and roads? Who will be the main user of the vehicle? Where will it be stored?
No matter who will be the named driver on your off road vehicles, it will be necessary to have their personal information at hand. You will also need any relevant special licensing verification. Accident histories and past claims will be evaluated when making your off road vehicles quotes.
Common Off Road Vehicles Insurance Policy Features
Though off road vehicles insurance covers a great variety of off road vehicles, there are many common policy features regardless of whether a snowmobile or a Segway is being covered. Some of the common off road vehicles policy features include:
- Comprehensive Coverage: Comprehensive coverage is designed to cover all of the non-accidental issues with your off road vehicles. This covers items like vandalism, weather related damages, collateral breakdown damages, and theft issues.
- Collision Coverage: Though your off road vehicles should be well away from other vehicles, your collision coverage handles vehicular crashes. This can include collisions with other off road vehicles or with trees, fences, river rocks, and other hazards. Do note that for many rough outdoor vehicles minor dents and dings may be excluded. Any damage deemed intentional may also be denied coverage.
- Property and Personal Injury Coverage: Property damage may be unintentional, and personal injury almost always is unintentional. Thus, this coverage provides payments for injuries and property damages you cause when you are using your off road vehicles.
- Deductibles: To help manage costs for both you and your insurer, off road vehicles policies carry deductibles. The higher you set your deductible, the lower in general your policy will be. Certain excepts here include glass coverage for some small off road vehicles.
Off Road Vehicles Insurance Discounts Available
There are many different discounts available for off road vehicles insurance policies. Some of the discounts vary by insurance provider, while others are standard for the industry. Some discounts to look into include multi-unit, multi-policy, renewal, prior coverage, memberships, and safety courses.
Safety courses are a discount incentive that pays off in multiple ways. By completing a safety course for your off road vehicle of choice, you earn a discount from your carrier while also preventing yourself from getting in accidents, which will further lower your coverage. For this reason, pursuing safety discounts should be a first choice.
Multi-unit and multi-policy discounts are only available through bundling, and prior off road vehicles coverage discounts may be of limited duration. However, membership in certain professional recreation societies may offset the loss of these discounts by lowering your rates on another level. It never hurts to ask!
Off Road Vehicles Insurance Exclusions To Note
Though many off road vehicle policies are broad and flexible, there are specific exclusions to be mindful of as you buy your coverage. A major exclusion is racing, especially for motorcycles, scooters, and ATV’s. Snowmobile riders and motorcyclists may also find that they lose coverage when they cross national borders.
Where licenses are required to operate your off road vehicle, operating the vehicle without proper licensure may also negate your coverage. Be safe!
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