Who has insurance on their SXS?

russknight

russknight

Well-Known Member
Lifetime Member
Apr 13, 2019
1,916
7,541
113
Perry Florida
Ownership

  1. Other Brand

  2. 1000-3
I went through a loophole in Florida and can ride mine anywhere.
 
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J

JollyRoger

New Member
Jun 13, 2019
1
2
3
Helena, Montana
Ownership

  1. 500
I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?
I added my P5 (with full coverage) to my other homeowners, autos, camper policies @Mountain West Farm Bureau for only $135 per year. Was thinking of switching ins. companies because homeowner policy is higher than USAA (veteran), but auto and camper policies are cheaper with Farm Bureau, making up for the difference at USAA--and then some.
 
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B

bs4u00

Member
Mar 6, 2019
30
46
18
WI
Ownership

  1. 1000-5
We have our insurance thru Secura. Have it under our homeowner's policy/umbrella. 12k of coverage for $347/yr. This is full coverage. You have think about if someone gets hurt while riding or something as simple as it beging stolen. Even if its just your friend riding it and they get hurt, you need coverage. They bang their head and you have a 200k bill on your hands.
 
F

flagator84

New Member
Lifetime Member
Dec 26, 2017
1
3
3
Marianna, FL
Ownership

  1. 700-4
I have Foremost through a local agent who is a long time friend. He also has this insurance personally for his SXS. I pay $106/year for full coverage (Liability, $300K Each person/$300K each accident/$15K property damage each accident, collision $15K $500 Ded, other than collision (theft and other things) $15K $500 Fed, optional equipment $3.5K.) Deductibles are diminishing, 25% each renewal. Not sure if you have to go through an agent.but. I pay direct to Foremost online. Here is the link: ATV Insurance | Off-Road Vehicle Insurance | Foremost Insurance Group
 
bwetzel

bwetzel

Active Member
Nov 10, 2018
57
151
33
Illinois
Ownership

  1. 1000-3
Full coverage through Progressive, it was $13 more a year to add replacement value coverage (vs. actual cash value) so no-brainer there. Beginning of June I found a hole and broke the upper A-arm mount/bracket off the frame. Just found out last week it’s about $5k in damage, which is covered but they are fixing it which is a month lead time at best. I was told by adjuster that machine (‘17 P1k) booked at $13k and it’d take $9k in damage to total it, which I’d prefer. Adjuster said it takes a lot for Progressive to total out. I will say they have been really good to work with, basically no questions asked and cut a check.
 
H

hacksawjoe

Active Member
Nov 24, 2015
73
150
33
Mill Hall Pa.
Not having insurance is like playing Russian Roulette, do you really want to take the chance?
I have a 700-4 and a big red muv full coverage on both is $200 a year for both through nationwide also have extended warrenty on 700-4 for 5 yrs cost me &560
 
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P

PolkaJoe

Active Member
Nov 5, 2017
90
103
33
NEPA
Ownership

  1. 700-4
Just renewed last week. 238.00 for annual full coverage and accessories for my motorcycle AND the pioneer from progressive.
 
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Sparky69

Sparky69

Active Member
Feb 26, 2019
50
155
33
North Cascades - Washington
Ownership

  1. 1000-3
I have full coverage as well on my 2019 P1000 EPS. I added over 11K of accessories and just added it to my 2001 TRX 450 Foremans policy, $317.00 per year but insured for $30K. Cant go wrong with the amount invested. Happy Trails
 
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A

Alcat

New Member
Jan 5, 2018
2
5
3
Illinois
Ownership

  1. 700-4
I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?
I pay 129.00 a year full coverage. IMT Insurance out of Iowa. 2917 700-4.
 
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M

Michael_B

New Member
Jan 31, 2019
1
3
3
83661
Ownership

  1. 500
I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?
Oh yeah, I've got full coverage on my SXS and everything else. It's well worth it.
 
P

Perk

New Member
Sep 11, 2018
9
12
3
Ohio
Ownership

  1. 1000-3
I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?
I have full coverage, it's on my auto insurance with my camper and vehicles through Erie
 
S

SteveBC2013

New Member
Oct 26, 2018
5
6
3
BC
Ownership

  1. 700-4
Be glad you are not in Canada. I just got the re-up quote for my 2017 P700-4....$871.00 CAD. Covers everything, but still....
 

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