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Foremost: Outdoor Brochure
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What are off road vehicles?
Off road vehicles, or ORVs, are typically designed to be ridden outside of urban roadways. They usually have a flexible suspension and require durable tires with deep treads. Off road vehicles are different than off highway vehicles, which include bulldozers, cranes, forklifts, and tractors. Keep reading to gain a better understanding of what type of vehicles fall into the off road category.
Common types of off road vehicles.
ATV
ATVs are all-terrain vehicles that usually have one or two seats that riders can straddle. For ATVs that do have room for more than one rider, the passenger's seat is typically behind the driver's seat. They also generally have handlebars and large tires with deep tread. ATVs come in many sizes and speeds.
Golf Cart
Golf Carts are designed for use on golf courses. Golfers use carts to travel around the course more easily, and to transport their equipment without spending so much energy. Golf carts are built low to the ground to lessen the likelihood of them tipping over on rough terrain. They usually have small tires which require less power to operate.
Snowmobile
Snowmobiles are off road vehicles designed specifically for travel on snow and ice. Instead of tires, they usually have belt treads which provide better grip on slippery surfaces. They also commonly have sled-type runners or skis in the front which allow for better control during navigation.
UTV
UTVs are commonly confused with ATVs, but they are not the same thing. UTVs are utility terrain vehicles that are designed primarily for work purposes. UTVs typically have a lot of storage space for moving equipment. Unlike ATVs, UTVs have enough room for drivers and passengers to sit side-by-side.
Common types of off road vehicles.
ATV
ATVs are all-terrain vehicles that usually have one or two seats that riders can straddle. For ATVs that do have room for more than one rider, the passenger's seat is typically behind the driver's seat. They also generally have handlebars and large tires with deep tread. ATVs come in many sizes and speeds.
Golf Cart
Golf Carts are designed for use on golf courses. Golfers use carts to travel around the course more easily, and to transport their equipment without spending so much energy. Golf carts are built low to the ground to lessen the likelihood of them tipping over on rough terrain. They usually have small tires which require less power to operate.
Snowmobile
Snowmobiles are off road vehicles designed specifically for travel on snow and ice. Instead of tires, they usually have belt treads which provide better grip on slippery surfaces. They also commonly have sled-type runners or skis in the front which allow for better control during navigation.
UTV
UTVs are commonly confused with ATVs, but they are not the same thing. UTVs are utility terrain vehicles that are designed primarily for work purposes. UTVs typically have a lot of storage space for moving equipment. Unlike ATVs, UTVs have enough room for drivers and passengers to sit side-by-side.
Additional ORV Insurance Information
Although most people think of 4-wheelers when it comes to ORV insurance, but ORV insurance policies also cover:
We've Got Your ORV Covered:
Source: https://www.foremost.com/learning-center/what-are-off-road-vehicles.asp
- Snowmobiles
- Segways
- Golf Carts
- Tracked All Terrain Vehicles
- Amphibious Vehicles
- Go Carts
- Certain Motorcycles
We've Got Your ORV Covered:
- Safety Apparel Coverage This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
- Optional Equipment Coverage We include $500 for optional equipment coverage, depending on your policy. This covers any "extras" added to your ride, including towable trailers or sleds made for use with your ORV.
- Annual Policies If the trail is calling, you don't want to miss it. No calls, no hassle with our annual policy you can insure your ORV even in the "off-season."
- Medical Payments Coverage Hopefully never needed, but always important with off-road vehicle insurance, this coverage pays for the necessary medical care you receive as a result of an off-road vehicle accident.
- Liability Coverage This broad coverage is meant for accidents involving your ORV (the coverage is for third-party injuries and property damage).
- Increased Limits You can choose the limits that you want on your liability.
- Collision Coverage Regardless of who is at fault, this covers your ORV in the event of damage caused by collision with other vehicles and trees or utility poles.
- Other Than Collision Coverage Provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.
- Trailer Coverage Provides coverage for a specifically designed trailer to transport your ORV (valued up to $7,500)
Source: https://www.foremost.com/learning-center/what-are-off-road-vehicles.asp