Snowmobile Insurance: Things to Know Before Hitting the Slopes

Getting to know the different types of snowmobile insurance, as well as knowing what your insurance does and does not cover can go a long way in helping protect not only yourself but everyone else around you. At Mountainview Insurance, we want to help you stay safe when hitting the slopes this winter. That is why we offer a selection insurance products, including snowmobile insurance packages.

Do you snowmobile insurance in BC?

Why Should You Have Snowmobile Insurance?

While snowmobiling is often thought of as a fun recreational activity for the winter months, snowmobiles should not be thought of as toys. In most cases, snowmobile accidents occur due to negligence and recklessness. No matter how experienced a snowmobile driver you are, it is important to ensure that you protect yourself, your passengers, and your snowmobile with the right type of insurance policy.

What does snowmobile insurance cover?

Types of Snowmobile Insurance

Some of the different types of snowmobile insurance that you can purchase include:

Liability Insurance

Liability insurance works to protect you in the event that you are the cause of a snowmobile accident. This type of snowmobile insurance covers the injuries of other people and property damage. Consider getting as much liability insurance as you can comfortably afford in order to better protect yourself.

Medical Coverage

Medical coverage works to provide peace of mind when it comes to covering medical payments for snowmobile-related injuries. While some plans may require you to reach your health insurance limit before utilizing medical payment coverage, this type of snowmobile insurance will help protect you and your passengers.

Comprehensive and Collision Coverage

Comprehensive and collision coverage can help repair damage to your snowmobile caused from a crash or falling debris. Depending on the make and model of your snowmobile, this type of snowmobile insurance might even pay for your snowmobile to be replaced in the event it is stolen.

Optional Equipment Coverage

While insuring your snowmobile will help protect the snowmobile itself, it might not insure your equipment or performance items, such as cargo racks, saddle bags, tunnel packs, and gripper skis. The best way to ensure that your equipment is covered from damage or theft is to purchase optional equipment coverage.

Learn more about insurance coverage for off-road vehicles.

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

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