ATV (All Terrain Vehicle) insurance is a specialist type of cover which standard vehicle insurers may not offer. Vehicles classed as ATV’s include quad bikes, buggies and side by sides. Many of them are not legalised for road use, with the exception of some quads, but insurance is needed to cover fire damage or theft.
As ATV’s are relatively light vehicles, they can be easy targets for thieves and there are many ATV’s stolen each year. The best way to prevent this is to install some security such as a chain or ground anchor; this will also reduce your insurance premium. However, if your ATV does get stolen, having it insured means that even if your vehicle is not recovered, you will be reimbursed for your losses.
Similarly, having ATV insurance which covers fire damage is advantageous. This is because accidents do happen and if you ATV gets damaged in a fire, chances are it will not work again. ATV insurance will pay for your vehicle to be repaired or replaced, meaning that all is not lost.
Whilst choosing TPFT insurance for your ATV may be the most beneficial, many riders opt for cheap ATV insurance through the purchase of TPO insurance. It is worth getting a quote for each type of insurance; it might be that the price difference is negligible when comped with the extra benefits and level of cover offered by TPFT.
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