UTV/ATV Insurance FAQS

UTV/ATV Insurance Frequently Asked Questions

These are a few of the more common questions we get on ATV and UTV insurance. If you have a question that isn’t listed, please chat online with us or call 1-800-236-2453.

How much is ATV insurance?

That’s a difficult question to answer. The rate you pay for UTV/ATV insurance is based on many factors that make it difficult to give a “ballpark” figure for the cost of coverage. The best way to know how much ATV insurance is for you is to get a UTV/ATV insurance quote.

Do I need to insure my ATV in the winter if I only ride it in the summer?

While it’s not required, we recommend that our customers insure their ATVs year round. There are many reasons for this, including:

• UTVs and ATVs can be (and often are) ridden in the winter. Even if you think you won’t, you might. Say for some reason you did, and end up having an accident. Without insurance in winter, you won’t have coverage to help cover the costs.
• Winter is usually the time when people store their UTVs and ATVs. Just because the unit is in storage, doesn’t necessarily mean it’s safe. We’ve seen everything from garage fires and theft to large objects falling on ATVs throughout the off-season, so it’s important to protect yourself from whatever may happen – even in storage.

How much coverage do I need?

This is another difficult question because each UTV and ATV is different in value, usage and many other factors. The best option is to call one of our ATV insurance specialists at (800) 236-2453 to determine the right amount of coverage for you and your ATV or UTV.

How can I prevent my ATV from being stolen?

While nothing can guarantee an ATV won’t be stolen (short of disassembling it and hiding the parts throughout your house!) there are steps you can take to do all you can to avoid theft.

• Be sure you always remove the key when the unit is unattended.
• Store the unit in a locked garage.
• If possible, store the unit out of sight. If thieves don’t know it’s there, they won’t steal it!
• Don’t leave the unit unattended for long periods of time.

If I let my buddy ride my UTV for hunting, will he be covered if something happens?

Yes and no. In the event that your friend uses your UTV and has an accident, your UTV will be covered, and any damages he causes to someone else for which you become legally liable will be covered. Should he end up being injured in the incident, his injuries may be covered by the medical payments coverage on your UTV insurance.

What do I do if I have an accident?

Step one for any accident is the safety of everyone involved. Certainly, if there are any injuries, contact the authorities or medical personnel to have them attended to. Then, secure the unit and equipment to make sure it won’t be further damaged, or cause any other damage or injuries. Take photos of the scene and the unit for use in processing the claim. Then, contact our online claims service center or call us at (800) 236-2453.