The great states of Kentucky and Indiana offer ample opportunities to get out and explore the outdoors. Specialty vehicles like golf carts and dirt bikes can be a lot of fun, but you need to be sure to have the proper insurance in order to ride in many national, state, and public parks. Kentucky Shield can help you cover unique vehicles that don’t fit into traditional auto or home policies.

Tips to Keep Costs Low

  1. Drive Safe – strikes on your driving record and insurance claims will contribute to higher rates
  2. Choose the right vehicle – Certain models of off-road vehicles are classified as more aggressive, and thus will cost more to insure
  3. Insure more than one – Insurance providers may offer discounts on policies that contain multiple specialty vehicles or when you bundle off-road vehicle insurance with other policies.

Coverage Basics

Specialty vehicle policies can be as unique as the vehicles they cover. Talk to one of our agents for a detailed breakdown of all the options available to you, but here are a few of the most common aspects of an off-road vehicle policy:

Collision Coverage – pays for damages when your vehicle is involved in an accident with a vehicle or object
Property Damage Liability Coverage- Pays for the damage done to another person’s property during vehicle operation. May provide legal defense if a lawsuit is filed against you.

Bodily Injury Liability Coverage – Off-Road vehicles have inherent risk, and in the unfortunate case that someone is injured or killed while operating you’re operating the vehicle, this policy will insure you. May provide legal defense if a lawsuit is filed against you.

Comprehensive Physical Damage Coverage – insures losses on any vehicle damage that is not the result of a collision such as theft or water damage
Make sure that you’re covered before you hit the trails. Get in contact with one of our agents today to start building the Off-Road policy that’s right for you.


CALL 502.214.7092