Browne Insurance Services helps you choose from a variety of personal insurance and business insurance solutions.
Off-road vehicle Insurance provided by Browne Insurance Services
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)
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!