The off-road policy provides coverage for which of the following types of damage?

The off-road policy is designed to offer comprehensive coverage for vehicles that operate off the regular roadway, which includes a variety of risks associated with such use. One of its primary features is the inclusion of both third-party liability and coverage for the insured's own damage.

Third-party liability coverage protects the policyholder against claims made by others for damages or injuries that occur as a result of the policyholder's actions while operating the off-road vehicle. This is essential for safeguarding the insured from significant financial liabilities arising from accidents or incidents involving other people.

In addition, the policy also provides coverage for the insured's own damage, which means that if the off-road vehicle itself suffers damages—whether from collisions, theft, or other incidents—the policy will help cover the costs associated with these damages as well. This dual coverage is especially relevant for off-road vehicles that may encounter higher risks than standard vehicles, making it crucial for owners to have protection against both types of damages.

The other options suggest limited coverage types, which do not encapsulate the full extent of protection offered by the off-road policy and would leave gaps in safeguarding the vehicle owner’s interests.