Riding a dune buggy is a fun activity for many people but it can also be a dangerous hobby and dune buggy insurance can help to protect you from accidents. Since dune buggies fall under the same category as all-terrain vehicles, or ATVs, dune buggy insurance is very similar to ATV insurance.
What Does Dune Buggy Insurance Include?
There are a variety of options to choose from regarding insurance for a dune buggy. The most common is liability, which covers repair or replacement costs to other dune buggies or property if you cause an accident as well as the cost of medical or legal fees if someone is injured. Another option you can add to your dune buggy insurance policy is comprehensive and collision. The former covers the cost of repairs or replacement if the dune buggy is damaged by a natural disaster or stolen while the latter will cover damages caused by an accident to your dune buggy. Some insurance companies let you add on additional insurance, such as for gear or custom accessories.
Do I Need Dune Buggy Insurance?
Although dune buggy insurance is not always required, especially if you’re riding on your own property, it’s a good idea to have at least some form of insurance. Dune buggies, like other ATVs, carry a certain risk and accidents aren’t uncommon. Dune buggy insurance can protect not only the vehicle from damage or theft but also the rider or other people who may be injured by the dune buggy. It’s always a good idea to have a dune buggy insurance policy to give you piece of mind and keep you from financial and legal issues if an accident should happen.
If you drive your dune buggy on a road, however, it can be considered a motor vehicle and would need to be registered with the department of motor vehicles and would need at least liability coverage.
How Much Does Dune Buggy Insurance Cost?
The cost of dune buggy insurance typically ranges from $500 to $1500 annually. The amount varies due to the age and condition of the dune buggy, how often it’s used and the amount of insurance you purchase.
Due to the high risk of dune buggies, not all insurance companies will offer dune buggy insurance.