Depending on where you live, you may be able to ride your off-road vehicle all year.  If winter is bogging you down, then you’re probably dreaming about you next ride on your dirt bike, ATV, dune buggy, golf cart or other off-road vehicle (ORV) and get outdoors. Before you do, you may want to ask your insurance professional some questions about insurance coverage. Here are a few to consider.

1. What typical coverages are available?

Ask your about common coverages that are available, as well as optional ones you might consider,”common coverages may include Collision, Other Than Collision, Liability and Medical Payments. They help provide coverage for damage to your ORV itself or damage or injury that you may cause while riding your ORV.”

2. Is my safety apparel covered?

Whether it’s helmets, goggles or other clothing that helps minimize injuries from an accident, most companies will offer safety apparel coverage for when these things get damaged, We want riders to be as safe as possible while enjoying the outdoors, so we encourage wearing safety gear.  Ask about the insurance available for your gear.

3. Is there optional equipment coverage available?

Most people have customized or added options to their ORVs. Optional Equipment coverage helps cover things like towable trailers, racks and winch kits for your ride.  You may have added thousands in accessories, so let the team know when you call.  Ask about insuring your trailer if you ahve one.

4. Am I able to insure my ORV year-round?

Year-round coverage is definitely something you may want to consider. Some policies have a lay-up period for colder weather when you may not be able to ride. But when an unusually warm day comes around and you want to take your ORV out, you might be stuck without coverage. A year-round policy lets you take it out whenever Mother Nature’s providing good weather and, with some companies, you can do this for the same price as seasonal coverage.  That’s where the off road vehicle insurance team can help.

5. What kinds of discounts are available?

Everybody wants to save money and to get a great deal on insurance. Ask what’s available for you. Some companies offer discounts for things like multi-units, multi-policies, maintaining continuous coverage when you renew and for having prior off-road vehicle insurance.

Your safety is number one to us. Stay safe wherever you choose to go on your off-road vehicle.

Call for a quote today at 833-844-4357.