UTV AND ATV INSURANCE RATES & COVERAGE
All-terrain vehicles need all-over coverage.
Those four wheels on your all-terrain vehicle need protection that’s different from what your auto or homeowners insurance can provide.
It’s important to protect your ATV/UTV and your assets with specialized ATV insurance coverage that’s tailored to meet the unique needs of ATV/UTV owners – especially with the high theft rate of these vehicles.
Protect your next off-road adventure with Markel’s customizable UTV/ATV insurance coverage.
UTV/ATV Accessory Coverage
Bodily Injury Liability
Collision
Comprehensive
Medical Payments
Property Damage Liability
Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured Motorist Property Damage
UTV/ATV Accessory Coverage
Accessory coverage is for those items not included as standard by the manufacturer of the ATV/UTV and were added onto the ATV/UTV. These can include but are not limited to: plows, windshield, luggage rack, safety guards, custom seat, chrome light bars, radios and CBs.
Accessory packages ranging from $500 to $10,000 are available.
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Bodily Injury Liability
This UTV/ATV insurance coverage provides protection on your behalf to someone to whom you become legally liable due to an ATV/UTV accident that causes injury, sickness or death.
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Collision
Dents, scratches and mud splatters on your quad are a badge of honor. But the last time you rode your ATV at an OHV park, something happened that you’re not too proud of: you hit a tree. Good thing you purchased Markel's Collision coverage, which will cover the damage to your quad.
This coverage provides protection against loss caused by collision or upset. Deductible options: $500, $1000, $1,500 or $2,000.
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Comprehensive
After a long morning of tearing up the trails on your ATV, you stop for lunch. Unfortunately, when you come out of the restaurant, your ATV is gone. With Markel’s Comprehensive UTV/ATV insurance coverage, you don’t have to worry about replacing your quad.
This coverage provides protection to your ATV/UTV for damage that occurs as a result of loss other than collision. This would include occurrences such as fire, theft, vandalism or hitting a deer. ATV insurance rates vary according to the deductible options: $500, $1,000, $1,500 or $2,000.
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Medical Payments
Even though you were wearing protective gear, you had an accident over rough terrain and got hurt. After your health insurance kicks in, there are still medical bills that need to be paid. With Markel’s medical payments coverage, the medical bills don’t hurt as much.
This ATV insurance coverage provides excess medical payments coverage (after any other medical coverage) for permissive operators, regardless of fault, subject to the coverage limit and deductible.
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Property Damage Liability
The last storm dumped so much snow the landscape was almost unrecognizable. Too bad you didn’t recognize where your neighbor’s fence normally sits when you were plowing with your UTV – and took it out. With this type of ATV liability insurance, your neighbor’s fence gets fixed without plowing into your savings.
This UTV/ATV insurance coverage provides protection for other persons' property if you become legally liable for the damage while operating the insured ATV/UTV.
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Uninsured/Underinsured Motorist Bodily Injury
This ATV insurance coverage provides protection for your injuries or death if you are involved in an accident with a motorist who either has no insurance or insufficient coverage, and the other party is considered at fault. Available ATV insurance coverage varies by state. Please call Markel ATV Insurance at
(800) 236-2453 for specific information regarding your state.
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Uninsured/Underinsured Motorist Property Damage
This ATV insurance coverage offers additional protection against property damage caused by a motorist that has either no insurance or insufficient coverage and the other party is considered at fault. This coverage may be available in your state. Please call Markel at (800) 236-2453 for specific information regarding your state.
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