Off-Road Vehicle Insurance

Riding an off road vehicle is all about having fun and being able to enjoy the thrills and excitement of running on off-road terrain.

Whether you choose an ATV, Quad, four wheeler or dirt bike, the one thing to guarantees that you keeping being able to have fun, is to make sure that you have the right kind of off-road insurance. Knowing that you are covered will give you confidence that every trip you take off the beaten path will be a good one. A specialized off-road insurance policy means that you are protected whether you're out enjoying the trail on your dirt bike, climbing dunes in your dune buggy, off-roading on your ATV, or adventuring in your four-wheeler.

While it may seem unimportant to insure an off-road vehicle, it is a lot more necessary than you think. Even if your off-road vehicle is just a toy, insurance is important.

Every specialty vehicle policy is different, but the following is a quick rundown of the some of the options included in most ATV, quad, dirt bike, four-wheeler and other off-road vehicle insurance policies:

• Collision coverage – pays for covered damage to your vehicle when in a collision with another vehicle or other object.

• Property damage liability coverage – insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

• Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.

• Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision – like fire, theft, or vandalism.

Our agents at Cape Coral Insurance will work with you to make sure that all your needs are covered at the best rate possible. Call us today for a free quote. We will tailor a policy to fit your specific needs, uses and drivers.