Off-Road Vehicle Insurance

Let’s face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side-by-side to manage miles of fence line, having it damaged, wrecked, or stolen can cause loss of time and money.  We can provide different types of off road vehicle insurance to cover different types of vehicle needs.

ATV Insurance:

All-Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still just as good. If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it’s also a big investment. What happens if it’s sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it? What if you’re not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard or ifs hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

If you’re lucky enough to have a State-managed four wheeler trail, you’re most likely going to need insurance for your quad to ride on State land. We can help with all of these scenarios.

Dirt Bike Insurance:

Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required or want to protect your investment, we can design the right policy to protect your dirt bike, too.

Side-by-side and Full size 4wd Insurance:

Many of the vehicles that never see pavement or aren’t registered are of high value. You wouldn’t buy an $8,000 car and not insure it, but would you buy a side-by-side and leave it uninsured? If you’re a rock crawler why wouldn’t you protect your $30,000 toy from liability, uninsured accidents, and theft? If it falls off a trailer, will you pay damages out of pocket?  If your Jeep rolls over and damages someone else’s vehicle, who will cover those damages? Many off road toys are a high value, high invest, but owners simply don’t think they need coverage because they’re not on the road. Don’t leave your side-by-side, Jeep, or buggy vulnerable to anything other than the trails you’re on

To make sure your buggy, quad, side-by-side, bike, or other off road vehicle you own is protected… contact us for a free quote today!

 

CNI also provides access to all personal lines needs of our clients :  home, auto, watercraft, life insurance, disability insurance, etc..  (Click on CNI’s Personal Lines Proposition for additional information.)