We’ve talked about this on FB Roxor pages.
This seems to be an underwriters discretion. I don’t completely understand it. Some insurance agents also make that call.
Bottom line, do they want your business?
For me this n AZ it’s easy and insurance agents know what to do. Insuring a vehicle is just that. Never have I seen a distinction or restriction WHERE to use it. Such as off road only. If it’s insured in the event the use of that machine causes injury, death or damage, it doesn’t matter if it’s on or off pavement.
Maybe some agents can’t wrap their heads around it.
My suggestion, when shopping for insurance try it on brand name, if not call it “specialty vehicle” .
State Farm $308 a year full coverage.
My insurance asked its value, that’s it.