Do You Need Snowmobile Insurance in BC?

As snow begins to fall and settle throughout the Fraser Valley and Lower Mainland, many individuals are excited to take their snowmobiles out for a ride. In addition to proper safety gear and safe operating techniques, it is important to remember that you do need snowmobile insurance in BC. As leading providers of comprehensive insurance products for snowmobiles and other recreational vehicles, the team at Mountainview Insurance knows how important these policies can be. That is why we have compiled some important information about snowmobile insurance policies to help you understand why they are required and what is/is not covered under them.

Are you purchasing snowmobile insurance? Here are some important things to know about snowmobile insurance before hitting the slopes.

Important Questions to Ask When Purchasing Snowmobile Insurance

When purchasing a snowmobile insurance policy, it is important to ask the following questions to ensure that you have a complete understanding of what is included with your coverage:

What is Included in Snowmobile Insurance?

Snowmobile insurance can help cover you in a variety of different ways. In most cases, a basic snowmobile insurance package may include:

  • Collision coverage
  • Comprehensive coverage
  • Bodily injury liability coverage
  • Property damage liability coverage

Additional coverage options can include:

  • Uninsured and underinsured driver coverage for bodily injury and property damage
  • Accessory coverage
  • Year-round coverage for theft and damage
  • Coverage for aftermarket parts
  • Towed trailer and transport trailer coverage
  • Additional collision coverage
  • Increased liability limits to cover liability claims or lawsuits

Related article: What Does Snowmobile Insurance Cover?

How Do Snowmobile Insurance Policies Work?

Snowmobile insurance works to protect you from expenses associated with injury and property damage. This can include payments for another person’s property damage and medical costs in addition to any required legal fees. Having adequate snowmobile collision and comprehensive coverage will allow you to file a claim for your injuries or sled damage, whether it is caused by another person, an accidental collision, or falling through ice.

Learn all about insurance coverage for off-road vehicles.

How Much Snowmobile Insurance Do You Need?

The amount of snowmobile insurance you will need is dependent on your personal circumstances. These include how often you ride, the value of the vehicle, and where you live. Most insurance companies will recommend that you purchase liability coverage at minimum, though frequent riders with newer or more expensive models should consider purchasing collision and comprehensive coverage as well. To ensure that your snowmobile is fully protected, it is also a good idea to consider purchasing optional trailer insurance and coverage for accessories and aftermarket upgrades.

To learn more about our snowmobile insurance policies or to inquire about our other insurance products, get in touch with the team at Mountainview Insurance. We can be reached through our online contact form and will be happy to answer any questions you may have.

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