Top Ten RZR Accessories From An Insurance Agent
Ten upgrades worth having on any side-by-side — and worth scheduling on your policy so a claim actually pays for what you built.
After years of insuring RZR, UTV, and side-by-side owners, a pattern emerges: the riders who avoid the worst outcomes on the trail almost always have the same handful of upgrades and habits in common. Here's the list, straight from the claims we've seen and the riders we've talked to.
Aftermarket Roll Cage
Keeps you way safer than the factory unit. It's the single biggest safety upgrade most riders make, and it's also one of the most expensive parts to replace after a rollover — make sure it's scheduled on your policy.
Seat Belts
Way comfier and way more secure than the factory minimum seat belts. A proper harness keeps you in the machine when it matters most.
Window Nets
Keep your arms in the vehicle in the event of a roll over. Simple, inexpensive, and one of the most effective injury-prevention upgrades you can make.
Intrusion Bars
Keep other people out of your cabin. Sometimes included in a roll cage kit, sometimes added separately — either way, they're part of the same safety system.
Windshield
Keep your face safe from bugs, rocks, trees, flying objects, sand, etc. An underrated upgrade until the first ride without one.
Tow Strap
If you don't have this, don't hit the trail. Include D-rings and tree straps to round out your recovery kit — cheap insurance against a long walk home.
Tools
Take everything you need with you. A basic tool kit matched to your machine's fasteners turns a trailside breakdown into a five-minute fix instead of a tow.
Spare Belt
This is a requirement. Also know how to replace it — a snapped drive belt with no spare is one of the most common reasons riders get stranded.
Spare Tire
Carry one of these all the time. Trail terrain is hard on tires, and a spare is the difference between a quick swap and calling for a tow.
Friends
Never leave home without friends! They can help you fix your issue or tow you home — and they're the best safety gear you can bring that doesn't bolt on.
Built Your RZR Out? Make Sure It's Insured.
A stock policy insures the factory machine. Everything on this list — roll cage, winch, lighting, and more — should be scheduled so a total loss actually pays for what you built.
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