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Off-Road Vehicle Insurance

Have fun wherever you live.

We at Veritas Insurance Group want to make sure that your recreational vehicles are covered no matter where you play. We specialize in covering your favorite recreational toys nationwide. Give us a call or request a quote online so one of our experienced agents can construct a policy that is personalized to meet your individual needs and budget.

What kind of off-road vehicles do we protect?

  • All-terrain vehicles (ATVs)
  • Dirt Bikes
  • Enduro Bikes
  • Snowmobiles
  • Golf Carts
  • Segways


What kind of coverage do you need for your off-road vehicle?

Your off-road vehicle will not be covered by your homeowners insurance policy, so separate coverage is necessary. You have choices when it comes to protecting your off-road vehicle in the event of a total loss:

Total Loss Coverage (TLC): provides the highest level of protection. This coverage is available for off-road vehicles that are not more than one year old. Your vehicle will be replaced, up to the first two model years, with a new vehicle of the same (or most similar available) make and model. After two model years, your policy will cover your full purchase price, minus your deductible.

Actual Cash Value (ACV): this type of coverage will pay the actual depreciated value of the off-road vehicle at the time of total loss, minus your deductible. ACV is the least expensive type of coverage. If your off-road vehicle is financed, ACV coverage coordinates well if you’ve purchased GAP protection from your dealer or finance company. GAP protection ensures that your loan balance is paid in the event it exceeds the value of the vehicle at the time of loss.

Agreed Value: off-road vehicles are typically insured under a TLC or ACV policy. Occasionally insurance carriers will require Agreed Value coverage due to the age, value or make of the vehicle. If you experience a total loss at any time, this policy will cover the Agreed Value of the unit minus the policy deductible.

Every off-road vehicle is unique.

At Veritas Insurance Group, we specialize in covering your off-road vehicle. We will tailor your policy with the options and coverage limits that meet your needs. We can protect you in the following ways:

  • Carried Contents Coverage will pay for your personal property (hunting or camping gear) if it is stolen, destroyed or damaged while you are using your vehicle.
  • Custom Parts Coverage: If you choose to cover all of the extras that make your vehicle unique, you can be covered for as much as $3,000 in accessories you’ve added, and even higher limits can be purchased.
  • Transport Trailer Coverage provides physical damage coverage for your off-road vehicle transport trailer.
  • Injury Protection provides a benefit for income loss as well as a death benefit in the event of a covered loss.
  • Collision Insurance covers your vehicle in an accident with another vehicle or object.
  • Comprehensive Coverage insures you when a natural disaster, theft or fire damages or destroys your vehicle.
  • Property Damage Liability Coverage protects you from damage caused to someone else’s property in an accident. Liability coverage may also pay for your legal defense if you are sued for damages you have caused.
  • Bodily Injury Liability Coverage insures you for bodily injury to others, due to an accident where you are found at fault.

Before you decide on an insurance policy, call a Veritas Insurance agent to discuss the different coverage options for your off-road vehicle. We are available nationwide to provide you with personalized service, and have access to an extensive network of carriers, so we can find the perfect fit for your coverage and budgetary needs. Contact us today!