Insuring an ATV

ATV is the acronym for All-Terrain Vehicle. They are also known as quad-bikes, which is a motorcycle on four wheels. While it’s rare to see one outside of specialty racetracks and beach tours, ATVs are legal to use in the streets.

How does one go about having them prepared for the road?

Your ATV needs to be registered with the Land Transportation Office. You’ll need to make sure that it is up to code. Most ATVs above 1,100 CC displacement will have the necessary safety features (headlights, tail lights, side mirrors), and you’ll also need street legal tires.

Like any other vehicle, it’ll also need insurance.

How do I get insurance for an ATV?

Unlike auto insurance, which requires a compulsory third-party liability cover; ATVs generally carry a single passenger. Coverage for ATVs usually starts with the comprehensive insurance, then move on to Collision, Bodily Injury and Property Damage Liabilities.

Insurance providers are usually keen on giving discounts for people who plan to insure multiple ATV units given their usage as tourist transportation in some parts of the country.

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Below is a list of top car insurance companies and their features.

Car Insurance Company	Features
OONA Insurance (formerly MAPFRE)	10 years of casa eligibility 366 accredited repair shops PHP 5,000,000 maximum total sum insured Overnight accommodation - Yes, up to PHP 3,000 Towing - Yes, up to PHP 5,000 Vehicle removal crane services - Yes, up to PHP 10,000
Malayan Insurance	3 years of casa eligibility 58 casa repair shops PHP 7,500,000 maximum total sum insured Overnight accommodation - Yes, up to PHP 1,000 Towing - Yes, up to PHP 4,000 Vehicle removal crane services - Yes, up to PHP 8,000
Prudential Guarantee	10 years of casa eligibility PHP 3,000,000 maximum total sum insured Overnight accommodation - Yes, up to PHP 2,000 Towing - Yes, up to PHP 5,500 Vehicle removal crane services - Yes, up to PHP 15,000
SGI Philippines	5 years of casa eligibility 36 accredited repair shops PHP 5,000,000 maximum total sum insured Overnight accommodation - Yes, up to PHP 2,000 Towing amount - Yes, up to PHP 5,000 Vehicle removal crane services - PHP 10,000
Stronghold Insurance	10 years of casa eligibility 167 accredited repair shops PHP 3,000,000 maximum total sum insured
The Mercantile Insurance Corporation	10 years of casa eligibility 77 accredited repair shops PHP 5,000,000 maximum total sum insured Overnight accommodation - Yes, up to PHP 2,000 Towing - Yes, up to PHP 5,000 Vehicle removal crane services - Yes, up to PHP 10,000

ATV Insurance Requirements

While there isn’t any direct classification regarding the insurance of an ATV for actual road use as opposed to the leisure use that most tourist spots and resorts use as an activity, the requirements for insuring an ATV is the same as getting a comprehensive insurance cover for a car. You’ll need the following:

• Your Original Receipt
• Your Certificate of Registration
• Your Driver’s License
• Any valid ID, apart from the license

Some providers require physical copies of your Original Receipt and your Certificate of Registration upon application. Others may ask for digital files instead.

You’ll need to locate a provider that specifically offers insurance policies for all-terrain vehicles as most insurance providers generally do so for cars and motorcycles, but not all providers have coverage for ATVs locally.

While it is a viable mode of transportation for short distances, it isn’t the most advisable vehicle. This is given issues with turning and it is made for an off-road application.

But whether you plan on using it for the road or off the road, it is still a vehicle and carries risk with its use. Getting it registered and insured is definitely ideal for the fledgling ATV fan.