Frequently Asked Questions from our ATV Live Video Chat

Q. An ATV used for ice fishing breaks through the ice & sinks in the lake, any coverage for the ATV or its recovery?

A. We would find coverage under Comprehensive for the vehicle and under BI/PD if the insured is required to do a recovery of the vehicle.  

Q. There is no minimum age requirement for operators of off-road vehicles. Do the youth participants driving the ATV need to be listed on the policy if in household?

 A. All of the following drivers are considered operators & must be listed on the policy:

• Household residents who may operate the vehicle regardless of frequency.
  Note: College students away at school are considered household residents unless they have their own permanent address.
• Operators that have an ownership interest in any of the vehicles.
• Any non-resident who regularly uses or has access to an insured vehicle more than 12 times per year.
  Note: Non-resident drivers that operate listed vehicle 12 or fewer times per year do not need to be listed. Coverage will apply provided that the driver has the permission of the insured driver.

Q. What about customized ATVs and stated value?  Will you cover stated value vehicles?

 A. AGREED VALUE - We require the following to be insured as Agreed Value (maximum insurable value $50,000):           

              › Motorcycles that are listed in the N.A.D.A. Appraisal Guide and/or Kelley Blue Book  but do not show a resale value.

              › Motorcycles 25 years old and older.

  The limit of liability for Physical Damage losses to a motorcycle insured with Agreed Value will be the LOWER of:

              › Amount necessary to repair the damaged property to its pre-loss condition; or

              › Agreed Value shown on the declarations page.

 The Agreed Value, which is provided by the insured and must be agreed to by Progressive, is the amount of coverage the insured desires, up to the market value of the motorcycle at the time of application, including the market value of all accessories. Please remind the insured to update the Agreed Value on the policy whenever it changes.

Q. Will Progressive insure Polaris's new 'Slingshot' side by side three wheel that is street legal and if so, how, motorcycle, ATV? 

A. Yes, we will insure the new Polaris Slingshot.  When quoting a Polaris Slingshot you will need to select “Three Wheel Alternative Vehicle” under vehicle type, enter in model year and select Polaris as vehicle make.   Please see screenshot below.

Q. I know it's early, but are you going to insure the Elio when it comes out?  Will it be insured as a motorcycle?

 A. No – not at this time. 

Q. If you add the trailer coverage, is the trailer covered only while hauling the ATV, or are other situations covered such as theft of the trailer or damages sustained while using the trailer for other use covered? 

A. Transport Trailer coverage provides comprehensive and collision coverage up to $10,000.  At time of loss, Comprehensive or Collision deductible will apply based on cause of loss to trailer.

Q. In the states required to register them so they must buy insurance but they do not leave the premises, is there a special rate for that?

 A. Whether the unit is used on or off the property the rate will be the same.  There is no discount if the ATV is just used on the insured’s property.

Q. What about an ATV used for farm use and the farm is a corporation?  It may go on the road between fields.  

 A. One of our unacceptable VEHICLE USE’s for an ATV’s/Motorcycle is if the unit is used conjunction with a business/commercial use.   If it is their own personal farm there is coverage while being operated on the road between the fields.

Q. Is there a "racing" exclusion for any customer participating in a speed event contest using their ATV which is insured with Progressive?

 A. Yes, there is no coverage provided for ATV’s that are used for Racing/Speed Contests.

Q. Can the accessories page be shown again or is there a place I can print it off?

 A. Please go to www.foragentsonly.com and log in.  Click the Agency Admin Tab—Brand Express—Promotional Items—Brochures/Flyers and look for the following;

                          ATV/UTV Accessories Brochure 13A00701

                          Motorcycle Accessory Brochure 12A00031.MCA.B

 Q.  If a "Transporting Trailer" insured on a Progressive ATV Policy is stolen from the insured's premises by itself without the ATV being stolen too, is the insured's trailer still covered or not? 

A. Yes – There would be coverage as long as there is comprehensive coverage on the trailer.  Transport Trailer Physical Damage Coverage provides Comprehensive and Collision coverage to your transport trailer. A transport trailer is any non-motorized trailer pulled by a car, truck or motorhome and is designed for transporting a motorcycle, or off road vehicle listed on the motorcycle policy. Only one transport trailer available per policy. Up to $10,000 of coverage is available. In the event of a claim, it will be the insured's responsibility to verify the value of the transport trailer.