ATV insurance coverages

It's a simple fact. Your ATV or UTV needs protection that's different from what your auto or homeowners insurance can provide. That's why our specialized off-road insurance coverage is tailored to meet your unique needs.

Coverage for your ATV or UTV

Dents, scratches, and mud splatters on your quad are a badge of honor. Colliding with a tree and smashing the entire front end? Well, not so much. Enter Markel Specialty's collision coverage. It can provide protection in the event of an accident caused by a collision or upset. Deductible options are $500, $1,000, $1,500, or $2,000.

Fire. Theft. Vandalism. Or even hitting a deer. With comprehensive UTV and ATV insurance coverage, you don't have to worry about replacing your quad. This coverage provides protection for damage to your quad caused by a non-collision event. ATV and UTV insurance costs vary according to the deductible options: $500, $1,000, $1,500, or $2,000.

Accessory coverage
Accessory coverage is for items not included as standard by the manufacturer of your ATV/UTV. These can include, but are not limited to, plows, windshields, racks, safety guards, custom seats, radios, and even your helmet and riding gear (if used exclusively with the insured ORV). Accessory packages ranging from $500 to $30,000 are available. So accessorize to your mud-flinging delight. We have you covered.

Uninsured/underinsured motorist property damage
This coverage can provide additional protection against damage to your ATV or UTV caused by a motorist who has no insurance or insufficient coverage, and is considered at fault.

Coverage for you

Medical payments coverage
Sometimes health insurance just doesn't cover every medical bill. That's where medical payments coverage enters the picture. It can provide excess medical payments coverage (after other medical coverage) for the insured off-road vehicle's operator or passenger regardless of fault, subject to coverage limit and deductible.

Uninsured/underinsured motorist bodily injury
This coverage can provide protection for your injuries or death if you are involved in an ATV/UTV accident with a motorist who has no insurance or insufficient coverage, and is considered at fault.

Funeral expense coverage
Pays up to a predetermined amount for funeral expenses associated with an ATV/UTV accident resulting in the death of an insured person who was occupying the insured ATV/UTV.

Coverage for others

Bodily injury liability
As you well know, riding an all-terrain vehicle or utility terrain vehicle can be dangerous—even for the safest and most experienced riders. Bodily injury liability coverage can help protect you if you're at fault in an ATV/UTV accident that causes injury, sickness, or death to someone else.

Property damage liability
Many of us have been there. That is, taking out a neighbor's fence or accidentally damaging something on their property. Our property damage liability coverage can provide protection if you're at fault in an ATV/UTV accident that causes damage to someone else's property.

*Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call 800-236-2453 to speak with an ATV insurance specialist.

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