Springtime is when the outdoor fun begins. After a chilly winter, the fresh rays of spring sunshine help cure your cabin fever, and you start to bring out your “toys” and get them ready for use. These “toys” range from motorcycles and similar vehicles, boats of all types and sizes, and RVs for camping, family trips, and more. Along with doing any needed maintenance after a long winter of storage, it’s also time to make sure that you have all of the right insurance plans in place. After all, your vehicles are expensive and need to be properly covered.
Choosing Insurance Plans for Extra Vehicles
Your standard, everyday vehicles, whether they are cars, trucks, or SUVs, all have standard auto insurance policies, or at least they should be insured. However, your extra vehicles, like RVs, don’t qualify for standard auto insurance. These specialty vehicles need corresponding insurance policies to not only make them legal on the road or water, but also to keep you from having to pay costly medical bills, legal expenses, and repair bills should something happen while you’re on the lake or highway.
What do these insurance policies look like? You have several options, each designed for a specialty vehicle:
Motorcycle Insurance – Yes, your motorcycle needs a special insurance policy. No matter how often you ride it, your bike needs a policy that can pay for specialty or custom parts in case of an accident, as well as things like underinsured and uninsured motorists. Other options, like general liability insurance, medical coverage, and even roadside assistance or rental vehicles should your bike need to go in for repairs, are other options.
E-Bike Insurance – While your standard, non-electric bicycles don’t need to be insured and may fall under your homeowner’s policy, e-bikes are different. Because they’re electric, highly stealable, and move at speeds that may cause an accident, you need to have them insured. Your policy may pay for a new bike, replacement parts, and any damages or medical bills that you may be liable for.
RV Insurance – RVs, also known as recreational vehicles, are a combination of home and car. Since they serve both purposes, they need to be covered by a special insurance plan designed just for RVs. These types of insurance will keep you and your loved ones safe while enjoying all the perks of your rolling home.
Boats – Speaking of specialty vehicles, boats need an insurance policy set up just for them. These vehicles should be covered by a boat liability policy, as well as comprehensive plans that provide things like damage coverage, parts and repairs, plus medical coverage in case of an accident. Then there are boat trailer plans, and more.
Need Help? Contact Spivey Insurance
If you aren’t sure that you have the right policies or amounts of coverage for your recreational vehicles, boats, motorcycles, or other “toys,” it’s time to reach out to Spivey Insurance. Our experienced and knowledgeable agents can help you make the best decisions regarding additional policies for your “fun vehicles.”
