I just had my oil changed at a local independent shop. The tech showed me a "cheat sheet" (his term) from Polaris, because he services a LOT of Polaris ATVs and he wrote them and asked what oil he could use in their machines. They sent him this list, and on it was Victory oil, and it says that the Bel-Ray was recommended as a substitute for their branded stuff. So he suggested we use the EXL mineral 4T 20W-50. We'll see how it goes.