Liability Protection
Depending on the policy, liability coverage may help with certain covered injury or property-damage costs when the insured rider is legally responsible.
ATV Insurance
Protection beyond the pavement.
ATVs are built for terrain that ordinary vehicles do not handle. Trinity helps you review insurance around the ATV you own, where you use it and the protection you want to consider.
Availability varies by ATV, rider,
location, use and insurer.
Your ATV Profile
ATV type & value
01
Rider information
02
Recreational or work use
03
Equipment & modifications
04
Before The Quote
Start with how the ATV is actually used.
01
Machine
Year, model and ATV type.
02
Rider
Who operates the ATV.
03
Terrain
Trail, property or work use.
04
Equipment
Accessories and custom parts.
Off-Road Coverage
Start with where you ride and how the ATV is used.
Built For Off-Road Use
ATV insurance starts with the machine and terrain.
An ATV used for weekend trail riding may present different questions than one used regularly on private property or for work.
The ATV itself, rider information, where it is kept, how often it is used, equipment, selected limits and deductibles may all form part of quoting and underwriting.
Trinity can help you organize those details and discuss insurance available through the agency.
ATV Coverage
Protection for the machine and the ride.
Policy options differ by insurer and location. These are common areas that may be discussed when reviewing ATV insurance.
Collision
May help with covered ATV damage resulting from a collision, subject to applicable deductibles and policy terms.
Non-Collision Physical Damage
Certain policies may provide protection for specified events such as theft, weather, vandalism or other covered causes.
Uninsured Motorist Protection
Certain protection may be available depending on the insurer, jurisdiction and structure of the policy.
Medical-Related Coverage
Medical payments or similar accident-related coverage may be available with some policies and insurers.
Accessories
Ask how qualifying equipment and custom parts are treated by the policy.
How You Use The ATV
The same ATV can serve very different purposes.
Select a use below to see the types of information that may be worth discussing when asking for ATV insurance.
Recreational ATV Use
Weekend and leisure riding.
For recreational use, insurers may ask about the ATV, riders, frequency of use, location and selected protection.
- ATV year, make and model.
- Rider information.
- Storage and riding frequency.
Private Property Use
Around acreage or private land.
Property use may involve different riding patterns and responsibilities than purely recreational use.
- Where the ATV is primarily used.
- Who regularly operates it.
- Equipment attached to the ATV.
Work-Related ATV Use
When the ATV supports the work.
If an ATV is used in connection with business or work activity, make that clear when discussing insurance.
- Describe the work performed.
- Identify regular operators.
- Confirm whether personal coverage applies.
Trail Riding
Terrain matters.
Off-road trails can involve different riding conditions. Accurate usage information should be given during quoting.
- Recreational trail use.
- Riding frequency and location.
- Modifications or additional equipment.
ATV Insurance Quotes
What may affect the quote?
Each insurer uses its own underwriting and rating rules. Information considered can differ by policy and jurisdiction.
ATV details
Year, make, model, value and other machine information.
Rider information
Rider-related details may be used where permitted.
Usage
Recreation, trail, property and work use can differ.
Location
Where the ATV is stored and used may be considered.
Equipment
Modifications and accessories should be reported accurately.
Policy selections
Limits, deductibles and selected options affect the policy.
Custom Equipment
Make sure modifications and accessories are part of the insurance conversation.
Accessories & Modifications
The ATV may not be completely stock.
Owners often add equipment or make changes to their ATVs. Policy treatment of accessories and custom parts can differ between insurers.
01
Custom parts
Report material changes made to the ATV.
02
Added accessories
Ask how qualifying accessories are treated.
03
Mounted equipment
Equipment used for property or work purposes should be disclosed.
04
Coverage limits
Check applicable limits, exclusions and deductibles.
Where You Ride
Private land and public roads are not the same thing.
ATV rules and insurance needs can vary by jurisdiction and by where the vehicle is used. Do not assume an ATV policy provides every type of road-use protection.
Discuss Your ATV
01
Private property
Tell the insurer where the ATV is regularly operated and stored.
02
Recreational trails
Trail use should be described accurately during the quote.
03
Road use
Laws and insurance requirements for road use can vary by jurisdiction.
04
Business or work activity
Commercial or work-related ATV use should be disclosed when arranging coverage.
After An Incident
Know the next steps before the trail gets rough.
Claim procedures differ by insurer. Coverage decisions are made under the terms and conditions of the policy.
Put safety first.
Seek emergency help where required and deal with immediate safety concerns.
Record the details.
Keep information that may assist when the loss is reported.
Contact the insurer.
Report the incident using the carrier's required claim process.
Follow claim instructions.
The carrier reviews the claim under the applicable policy.
An insurer may ask for information about the ATV, riders, location, use, storage, equipment and the coverage being requested. Requirements vary by insurer.
Some policies may provide protection for qualifying accessories or custom equipment. Limits, conditions and exclusions vary.
ATV usage can be part of underwriting and rating. Recreational, property, trail and work use can present different insurance considerations.
No. Insurance rules, registration requirements, permitted road use and available policy options can vary by jurisdiction.
Trinity can discuss your ATV insurance needs and review available policy options based on carrier requirements, underwriting and eligibility.
ATV insurance availability, premiums, deductibles, limits, accessories coverage, eligibility and underwriting requirements vary by insurer, ATV, rider, usage and location. Coverage is subject to the terms, conditions, exclusions and limits of the applicable policy.
ATV Insurance
Take the protection off the pavement.
Tell Trinity what ATV you own, where you use it and the type of protection you want to discuss.
Get An ATV Insurance Quote