How to Insure a Rented Snowmobile

Here’s what you need to know about insuring a rented snowmobile.

There are few better ways to enjoy the winter weather than by zipping around on a rented snowmobile. However, while this activity is undoubtedly fun, it can also be quite risky. If you were to get into an accident, you would be responsible for the injuries and damages that result from the collision. As these costs are nothing to dismiss, it’s important that you have the right protection in place before you hit the trails. Here’s what you need to know about insuring a rented snowmobile.

Protecting a Rental

If you have rented a snowmobile while away on vacation, your homeowners or auto insurance probably will not extend coverage to it. However, if you have a snowmobile insurance policy for your personal snowmobile back at home, your policy may extend coverage to your rental. Be sure to check your policy or call your agent. If this is the case, your policy will offer you liability coverage in the form of bodily injury and property damage liability. As the names suggest, bodily injury offers coverage for medical assistance in the event that you are responsible for another’s injuries, and property damage liability offers coverage for the damage you may have caused to another’s property, home, or vehicle.


Sometimes Covered, Sometimes Not Covered

While your personal snowmobile policy will offer liability coverages, it will not always extend collision or comprehensive coverage to your rental. The Powersports Insurance Agency may be able to offer you a snowmobile policy that can extend comprehensive and collision damage to cover your rented snowmobile. The coverage and deductible on the rented sled would match the coverage, but not exceed the coverage for the sled listed on your policy with the most coverage.   So if you only carry comprehensive coverage and not the more expensive collision coverage on your listed snowmobiles, then you would only have comprehensive coverage on a rented snowmobile. Collision insurance covers the damages your snowmobile sustains if you hit an object or another vehicle. Comprehensive insurance covers the damages your snowmobile sustains outside of a collision event, such as during a fire, flood, storm, act of vandalism, and so on. Because your policy will not offer these coverages for a rental, you would be left paying for these damages out of your own pocket. Remember, not all snowmobile policies include rental snowmobile coverage! Be sure to check with your agent.

Rental Insurance Policies

Sometimes, the only way to secure collision and comprehensive coverage for your rented snowmobile is by getting it through the rental company. Most rental companies will offer their own insurance packages that include bodily injury liability, property damage liability, collision, and comprehensive coverage. Additionally, you may have the option to secure medical payments insurance. This type of coverage will help you pay for your own medical treatment if you sustain injuries while operating your rental snowmobile. The premiums are usually expensive and have high deductibles. Checking your own snowmobile insurance policy for rental coverage is far less expensive, if the coverage exists.

Sam Hoye, one of the agent principal at Powersports Insurance Agency, who rides mostly in New York State, goes to the Rocky Mountains each winter to rent mountain sleds. He reports that his own snowmobile policy does provide rental snowmobile coverage including comprehensive and collision.   This coverage provides great piece of mind when renting a $15,000 sled and riding off-trail in the mountains. And, he does not have to purchase the expensive rental coverage at the snowmobile rental shop.

This is what you need to know about insuring a rented snowmobile this winter. Do you have additional questions regarding coverage for your snowmobile? If so, contact the experts at Powersports Insurance Agency. Our dedicated team is ready to assist you with all your motorsport equipment coverage needs today.

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