If you will be towing your ATV/buggy first and then riding it on conventional roads, two separate policies are required.
If you would like full coverage on your ATV/buggy:
Add the ATV/buggy as a towed item on your primary vehicle's policy. Select "Liability Only" under "Coverage Type."
Issue a separate ATV/buggy policy and select the ATV/buggy's value so that you will have full coverage (available for ATVs/buggies $3000 and up). This covers the ATV/buggy for full coverage while being towed and while being driven separately.
Currently we offer full coverage online for Polaris, Arctic Cat, Honda, Can-Am, Kawasaki, and Yamaha vehicles. For other makes, contact us for special approval.
If you would like just liability coverage on your ATV/buggy, follow the steps above, but select "Liability Only" for both policies.