What Is Considered a Toy Vehicle for Insurance Purposes?

From off-road adventures in the mountains to leisurely rides around Littleton, CO, “toy vehicles” are a popular way to explore, have fun and enjoy the outdoors. But for insurance purposes, the term “toy vehicle” has a specific meaning and understanding it can help you choose the right coverage.

Common Types of Toy Vehicles

Toy vehicles generally refer to small motorized or nonmotorized recreational vehicles that aren’t intended for everyday commuting. These can include the following:

• ATVs and UTVs—All-terrain vehicles and utility task vehicles are often used for trail riding, farm work, or hunting.
• Snowmobiles—These vehicles are popular in winter destinations and are designed for travel over snow and ice.
• Dirt bikes—These lightweight motorcycles are built for off-road tracks and rugged trails.
• Golf carts—These small vehicles are commonly used on courses, in gated communities or for short-distance transportation.
• Personal watercraft—These include Jet Skis, WaveRunners and similar craft that are designed for lake and river recreation.

Exact definitions may vary by insurer and by state regulations, so it’s important to confirm with your agent what your policy considers a toy vehicle.

Why Standard Auto or Home Insurance May Not Apply

Many owners assume that their auto or homeowners insurance automatically covers a toy vehicle. In reality, these policies often exclude them unless they are specifically listed. For example, an ATV stored in your garage might be protected against theft under certain conditions, but accidents that occur while riding it are typically not covered without a dedicated policy.

Specialized toy vehicle insurance may offer the following:

• Liability coverage may help pay for injuries or property damage to others if you’re at fault.
• Collision coverage may cover repairs or replacement if your vehicle is damaged in an accident.
• Comprehensive coverage can offer financial protection after theft, fire, vandalism and weather damage.

Get the Right Coverage in Littleton, CO

Whether you take your ATV into the backcountry or cruise your golf cart through the neighborhood, the right insurance can help protect both your investment and your finances. Contact McDonald Insurance Group today to review your current policies.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.