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Max Online: 16728 @ 03/25/12 08:51 AM
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#6409877 - 08/15/16 08:13 PM UTV Insurance????
FoxTrot Online   content
THF Trophy Hunter

Registered: 10/03/07
Posts: 6985
Loc: West
Bought a Pioneer a few months ago. Financed about half of it through my credit union. I got a letter today telling me that I need to provide a copy of my ins policy on this.

Ive never heard of someone having ins on their utv.

Should I try to have this covered by my homeowners? Im lost on what to do.

Is there a lender in TX that doesnt require this? I will switch quick. I knew I should have went through Honda Financing.
_________________________
Originally Posted By: Chief Joe
I avoid Dick's and hope they fold.

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#6409912 - 08/15/16 08:28 PM Re: UTV Insurance???? [Re: FoxTrot]
hunting.nut Offline
Pro Tracker

Registered: 05/19/11
Posts: 1920
Loc: DFW
I used honda finance on mine and no insurance has been required

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#6409913 - 08/15/16 08:31 PM Re: UTV Insurance???? [Re: FoxTrot]
SniperRAB Online   content
GRAMPS!!!

Registered: 03/26/12
Posts: 21014
Loc: Nurturing Biosphere Mothership
I always carry Full Coverage with Full Replacement and never finance mine...
Just a inexpensive peace of mind...

I use Geico but several options out there...

Good Luck up
_________________________

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#6409940 - 08/15/16 08:46 PM Re: UTV Insurance???? [Re: FoxTrot]
scalebuster Online   content
Pro Tracker

Registered: 11/25/10
Posts: 1875
I have all my insurance through Farm Bureau. I called my ageant a couple of days ago and he said Progressive was the cheapest and best for a UTV..

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#6410032 - 08/15/16 09:16 PM Re: UTV Insurance???? [Re: FoxTrot]
thewrap Offline
Pro Tracker

Registered: 05/15/11
Posts: 1917
Loc: Lubbock, Texas
I got my pioneer insured through Cody Ballew here on the forum. He is with Texas Farm Bureau. Cost me $190 for 1 year. That was full replacement including the winch I have on it. IMO worth every penny considering how things are now a days with thieves and what not.
_________________________
Jesse Reynolds
Professional Home Inspector TREC ID# 21526
www.integrityhomeinspectionservice.com

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#6411311 - 08/16/16 05:06 PM Re: UTV Insurance???? [Re: FoxTrot]
maximum Offline
Pro Tracker

Registered: 09/30/09
Posts: 1506
as many utv's as i've seen flying down
various interstates poorly secured on
trailers with bull sheet wally world and
harbor freight cheep sheet tie downs and
no safety chain, i'd think more utv owners
would want some insurance of some kind.
myself, i'd hate to owe a couple of years
worth of payments on a pile of twisted
metal i couldn't use for anything.

that, and if i was napping in my trailer
and drunk cousin bubba hopped in my new
utv and put it upside down in a gully,
i'd be happy i had it insured


Edited by maximum (08/16/16 05:10 PM)

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#6411377 - 08/16/16 05:53 PM Re: UTV Insurance???? [Re: FoxTrot]
twinbubba Offline
Veteran Tracker

Registered: 08/20/09
Posts: 2456
Loc: DFW
Progressive is what I have on my Rhino.
_________________________
09 Yamaha Rhino 450 Camo, Weekend Warrior FS2300 toy hauler
"I didn't climb to the top of the food chain to eat only vegetables!"

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#6411402 - 08/16/16 06:13 PM Re: UTV Insurance???? [Re: FoxTrot]
FoxTrot Online   content
THF Trophy Hunter

Registered: 10/03/07
Posts: 6985
Loc: West
Forgive my stupidity but does homeowners cover them? I have an ATV line item on my home owners coverage.

I did hit up Cody too via PM.
_________________________
Originally Posted By: Chief Joe
I avoid Dick's and hope they fold.

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#6411480 - 08/16/16 07:03 PM Re: UTV Insurance???? [Re: FoxTrot]
westexhunt Offline
Tracker

Registered: 11/05/12
Posts: 859
Loc: San Angelo
I have mine added to my farm and ranch policy. You can get a standalone utv/ATV policy but it's much more expensive that way. If you have an ATV line on your homowners it is likely just a liability policy in case someone is injured on an ATV etc while on your property and won't pay for damages. I would check into it.

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#6411563 - 08/16/16 07:47 PM Re: UTV Insurance???? [Re: FoxTrot]
FoxTrot Online   content
THF Trophy Hunter

Registered: 10/03/07
Posts: 6985
Loc: West
Just frustrated at this point. I understand that the bank wants to protext their lien however Ive never heard of this. Had I know this, I wouldnt have financed through them to save my .09% over Honda's finance. In fact, Im pissed off. I bought this machine on a budget.

Any lien holders who dont require ins? Can i refinance through Honda?

At this point, Im ready to call my bank and tell them to kiss it and refinance it and my truck through a different institution bc of this.
_________________________
Originally Posted By: Chief Joe
I avoid Dick's and hope they fold.

Top
#6411596 - 08/16/16 08:04 PM Re: UTV Insurance???? [Re: FoxTrot]
FoxTrot Online   content
THF Trophy Hunter

Registered: 10/03/07
Posts: 6985
Loc: West
I pm'd Cody. Hopefully he comes through. I will do $190 a year
_________________________
Originally Posted By: Chief Joe
I avoid Dick's and hope they fold.

Top
#6411604 - 08/16/16 08:06 PM Re: UTV Insurance???? [Re: FoxTrot]
SniperRAB Online   content
GRAMPS!!!

Registered: 03/26/12
Posts: 21014
Loc: Nurturing Biosphere Mothership
Originally Posted By: FoxTrot
Just frustrated at this point. I understand that the bank wants to protext their lien however Ive never heard of this. Had I know this, I wouldnt have financed through them to save my .09% over Honda's finance. In fact, Im pissed off. I bought this machine on a budget.

Any lien holders who dont require ins? Can i refinance through Honda?

At this point, Im ready to call my bank and tell them to kiss it and refinance it and my truck through a different institution bc of this.


Amigo...I think you will be hard pressed to find any Financial Institution that holds any value or title that will not require Full Coverage insurance...But I could be totally wrong.

All of the Liability is on them..

Good Luck to you and I hope you find resolve..
I am sure if you do not provide that they will add the cost to the note at a premium cost.
Maybe a Lender or Insurance Agent could explain with more detail or clarification.
_________________________

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#6411608 - 08/16/16 08:08 PM Re: UTV Insurance???? [Re: FoxTrot]
SniperRAB Online   content
GRAMPS!!!

Registered: 03/26/12
Posts: 21014
Loc: Nurturing Biosphere Mothership
Originally Posted By: FoxTrot
I pm'd Cody. Hopefully he comes through. I will do $190 a year


Wonderful Gentleman and have met him and never heard anything but great things about Cody's Service up
_________________________

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#6411710 - 08/16/16 09:09 PM Re: UTV Insurance???? [Re: FoxTrot]
FoxTrot Online   content
THF Trophy Hunter

Registered: 10/03/07
Posts: 6985
Loc: West
I pm'd the wrong Cody. What is his screen name?
_________________________
Originally Posted By: Chief Joe
I avoid Dick's and hope they fold.

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#6411802 - 08/16/16 10:00 PM Re: UTV Insurance???? [Re: FoxTrot]
Leonardo Online   content
Extreme Tracker

Registered: 01/03/08
Posts: 4661
Loc: Wise County
Progressive all the way. Motorized vehicles are excluded from homeowners.

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