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What Does Snowmobile Insurance Cover?

Understanding what snowmobile insurance covers will help ensure that you and your snowmobile are being properly protected. At Mountainview Insurance, we want to help you stay safe on the slopes this winter season. That is why we offer a range of insurance products for off-roading vehicles like snowmobiles.

What is Included in Snowmobile Insurance?

Snowmobile insurance can help cover you and your sled 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

Other insurance options that you may be able to purchase for your snowmobile 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

How Does Snowmobile Insurance Work?

Snowmobile insurance works to help 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 your 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, a collision, or falling through ice.

How Much Snowmobile Insurance Do You Need?

The amount of snowmobile insurance you will need is dependent on your personal circumstances, including how often you ride and the value of the sled, as well as where you live. Most insurance companies will recommend that you purchase at least liability coverage; however, frequent riders with newer or more expensive models should consider purchasing collision and comprehensive coverage. 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.

How Much Does Snowmobile Insurance Cost?

The cost of your snowmobile insurance will depend on the type of coverage you buy and the type of sled you drive. When quoting the cost of a policy, an insurance company will take a number of different factors into consideration, such as:

  • Snowmobile make and model
  • Where you live
  • Where you ride
  • The age of the driver
  • Whether you will have passengers or allow others to drive the snowmobile
  • Whether the machine is being used for work, pleasure, or racing
  • The chosen deductible
  • The type of coverage and optional coverage purchased

If you would like to learn more about what snowmobile insurance covers, or if you are interested in one of our insurance products, please contact Mountainview Insurance at 604-557-0255 or by filling out a contact form on our website.

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