ATV Trail Riding Survival Kit

ATV Trail Riding Survival Kit

Foremost Insurance | by Marrio Roberts Jr. | Survival Kit | Recreational Vehicle Insurance | Start A Quote

ATVs and other off-road vehicles are adaptable to many situations. With that being said, you can’t always predict what will happen on off-road adventures. If you need to perform emergency maintenance, it will help to be equipped with the proper tools. To prepare yourself in advance, Foremost® Insurance recommends keeping the following items in your ATV emergency kit.

Air pump and tire repair kit.

When traveling off-road you’re more likely to encounter various bumps in the road, like rocks or even holes, that can flatten your tire. If you have a tire repair kit handy, you should be able to patch small holes. Many repair kits come with air pumps, but it may be a great idea to bring an extra one just in case.

Tool kit within the Survival Kit

It helps to have a tool kit handy if you can. If you need to remove a tire or access a part of the vehicle that’s enclosed under something else, you may need more than just your hands to get the job done.

Duct Tape.

While we don’t recommend using duct tape for any serious repairs, it may be able to temporarily patch a leak in a water hose or radiator bottle, for example, which can buy you enough time to get to a repair shop. Additionally, duct tape can be useful if you or someone else falls off a vehicle. We highly recommend seeking professional medical attention in this situation, but if someone twists their ankle, using duct tape can help to stabilize it until you get to a medical facility.

A knife.

A knife can be useful if you or someone you’re with has an injury, as it can be used to cut bandages and wrap tourniquets. Whether you opt for a Swiss army knife or a regular pocket knife is up to you. A Swiss army knife may apply to more situations overall, but in terms of practicality, a pocket knife may be enough.

Jumper cables as part of the Survival Kit

Of course, jumper cables will be useful if you or someone else’s vehicle loses battery power. We recommend always keeping these with you.

First aid kit within the Survival Kit

First aid kits can be useful for treating minor scratches and bruises. With the unpredictable terrain of off-road adventures, you never know when you’d need these.

Bug spray.

It’s not uncommon to encounter bugs when you’re off-roading. If you don’t want those pesky creatures bothering you, keep some bug spray in the vehicle. This way if you forget to put some on before you head out, or if it wears out, you’ll always have some to reapply.

Spare tire.

While we do advise keeping a tire repair kit, they don’t work in every situation. There may be times when a tire is damaged beyond repair. In this case, you’ll need a spare tire.

Spare parts for the survival kit

You should keep a spare of the following parts: belt, spark plug, tie-rods, and ball joints. While these require a bit of handy work to replace, if you don’t have any spares on hand, you may become stranded.

Tow strap.

If you do become stranded, you will need someone to tow your vehicle to a safe place. We advise you to keep a tow strap on hand in case this happens.

To lessen your chances of having emergency situations, please ride safely.

If you’re looking for ATV insurance, UTV insurance, or insurance for another off-road vehicle (ORV), you can get a quote with Shield Insurance Agency today!


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Off-road ATVs: Coverage for your off-road ATV

Safeco® Off-road ATVs: Coverage for your off-road ATV

Do you have an off road vehicle? Safeco will insure all-terrain vehicles with four or six wheels, a wide variety of utility-terrain vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, golf carts, and other select off-road vehicles. Talk with a Safeco agent to get details about all the vehicles types we cover. Connect with your Safeco independent agent today to get the details and determine the best coverage options for your off-road vehicle: http://spr.ly/6053yTUUv Disclaimer: Subject to policy terms, conditions, and limitations. Discounts and savings available where state laws and regulations allow and may vary by state. State insurance requirements apply. Insurance offered by Safeco Insurance Company of America and affiliates, Boston, MA.

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Unveiling the Secrets to Getting the Best Coverage for Your RV

Shield Insurance Blog | Recreation Vehicle | Start A Quote Today!

ATVs, snowmobiles, dirt bikes, etc… All of these recreational vehicles can be risky to operate for the riders, passengers, and those around them. They are also very fun and one of the perks of living in a state where it snows!!! Thankfully, you can insure these recreation vehicles as you would an automobile.

Just like an auto insurance policy, on a recreational vehicle policy, you would receive:

  • Bodily Injury Liability
  • Uninsured/Underinsured motorist
  • Either Medical pay or Medical benefits coverage
  • Physical damage (comprehensive & collision) — optional
  • Roadside – optional
  • Carried contents and Accessories – optional

A lot of these coverages are only available on an ATV or RV policy. For instance, if you decide to not insure your snowmobile in the summer with at least storage coverage, and the garage that it is in burns down, your homeowner’s policy will not cover it! OR, what if you or your passenger are hurt after having an accident on your ATV, you may have NO coverage for those medical bills!

Recreational vehicles aren’t always covered

Did you know that not every insurance company will allow you to insure recreational vehicles such as ATVs, snowmobiles, dirt bikes, etc… on your homeowner’s policy? Did you also know that coverage on a homeowner’s policy is very much lacking in comparison to a separate ATV/RV policy?

Lately, I have been hearing that quite a few banks have been suggesting clients insure their newly purchased recreational vehicles on their homeowner’s policy so they don’t have to purchase another separate policy. Not only may that person be out of luck depending on the company, but most companies only offer liability coverage and/or physical damage coverage. No roadside, no uninsured/underinsured motorist, no medical coverage if injured in an accident, and there tend to be more exclusions than your typical ATV/RV policy.

Generally speaking, depending on driving history and what type of recreational vehicle is owned, insurance policies for them tend to run cheaper and they are always worth the money.

It can get confusing, but give our office a call. We are here to help and will make it all seem pretty simple. 616.896.4600


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