After life and home insurance, anyone can imagine the next insurance anyone would go for is to cover their vehicles. Auto Insurance is another type of insurance that is very common. In fact, in some countries, it is compulsory to have insurance for all vehicles.
However, the case is quite different when it comes to off-road vehicles. You need to understand that auto insurance doesn’t cover off-road vehicles. Therefore, you will need separate insurance for off-road vehicles.
Again, not all insurers accept off-road vehicles. Hence, there is a need to intensely research before approaching any insurer.
What is Off-Road Insurance?
Off-road insurance covers ATVs, golf carts, dirt bikes, utility vehicles, snowmobiles, go-karts, dune buggies, and other recreational or work-related vehicles. Many consumers feel that their homeowner’s or auto insurance will cover such vehicles, but they don’t.
However, some of these policies often provide little coverage, which is not enough. Off-road vehicle insurance is the most excellent way to protect your vehicle, whether in use or in storage.
Types of Off-Road Insurance Coverage
- Comprehensive Coverage: Non-collision coverage, often known as gap coverage, can protect you from fire, theft, vandalism, flooding, lightning, animal damage, and more.
- Collision Coverage: This may cover the cost of repairing damages a collision with another vehicle or a fixed object causes. Also, this type of coverage doesn’t regard who is at fault.
- Uninsured/underinsured coverage: If you’re in an accident with an uninsured or underinsured driver, this coverage may be able to pay you.
- Liability Coverage: For the protection of third parties, this could cover the costs of property damage and physical injury. It might also pay for any legal fees incurred due to the accident.
- Safety apparel coverage: Always wear clothing that protects your body from injury when riding off-road vehicles. This coverage may cover damage to safety equipment such as helmets and goggles.
