UTV and Side-by-Side Insurance
Coverage for utility and sport side-by-sides, quoted only in states where off-road and side-by-side coverage is part of our appetite.
Machines we see
- Utility: Polaris Ranger XP 1000, Can-Am Defender HD10, Honda Pioneer 1000, Yamaha Wolverine RMAX2 and RMAX4
- Sport: Polaris RZR XP 1000, Can-Am Maverick R
Coverage options
- Liability, including for passengers in designed seating
- Collision and comprehensive
- Accessories such as cabs, winches, plows and lighting
- Trailer coverage while the machine is being hauled, where offered
Common questions
Why is a sport side-by-side priced differently from a utility model?
Sport models are built for speed and rough terrain, and carriers see different claim patterns, so they usually rate them separately from work-oriented utility models.
Are passengers covered?
Liability and medical payments can apply to passengers riding in seats designed for them. Riding outside the seats is generally excluded.
Insurance guides
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Del Toro Insurance is an insurance agency. Coverage is subject to policy terms, underwriting approval and availability in your state; not every coverage described is available in every state or for every property or business.
Tell us about your side-by-side
Call, message us on WhatsApp or request your quote online. We work in English and Spanish.