Don’t hit the snow unless you have the right snowmobile insurance in place. You’ll most likely save money on your premium too!
Snowmobiling is a risky sport for a number of reasons. To start, snowmobiles are capable of traveling at very high speeds, making them difficult for inexperienced drivers to control. However, even the most experienced drivers face the threat of crashes due to concealed hazards and collisions with other parties.
Luckily, there are many things that you can do to protect yourself, your snowmobile, and those around you.
Not sure which coverages are right for you? Then turn to the experts at Powersports Insurance Agency. Because of our many companies and options, we offer some of the lowest pricing on snowmobile insurance in America. Below are descriptions snowmobile coverages and options.
Types of Snowmobiles We Insure:
We insure all types of snowmobiles.
- High Performance Sleds.
- Aftermarket Turbocharged Snowmobiles.
- Touring or Two-Up Snowmobiles.
- Mountain or Deep-Snow Snowmobiles.
- We also insure Snow Bikes which are typically off road motorcycles converted to a single front ski and a track instead of the rear tire.
Basic Snowmobile Insurance Coverages:
Liability Coverage: All policies include some level of liability insurance. This type of insurance covers any third-party injuries or property damage that you might cause as a result of an accident. Be sure to consider higher limits to protect yourself in a lawsuit. It’s not that much more money to double or triple the limits of liability.
Comprehensive Coverage: This type of insurance provides coverage for sudden and accidental losses to your snowmobile that are not the result of a collision. For instance, comprehensive coverage will protect against the damages caused by fire, theft, vandalism, hitting an animal, major weather events, and so on. Comprehensive coverage also applies to a snowmobile that sinks through the ice.
Collision Coverage: Collisions are the most common cause of damage and losses. Collision insurance will ensure that you have the necessary coverage to repair or replace your snowmobile following a collision. Collision is colliding with another vehicle or object. It also includes coverage for damage caused by overturn or upset. If your snowmobile is damaged from an accident while being transported, collision must be on the snowmobile, otherwise the sled will not be insured for loss.
Uninsured Motorist Coverage is protection related to bodily injuries received as a result of an uninsured, negligent driver. A large percentage of snowmobilers are uninsured. A hit-and-run by a snowmobiler or other motor vehicle also counts as being an uninsured motorist. This coverage is very important if you were injured as a result of an accident with an uninsured snowmobiler.
Additional Snowmobile Insurance Coverages
Accessory Coverage & Custom Equipment – This covers equipment and accessories, other than those which are original manufacturer installed, which alter the appearance or performance of the snowmobile.
- any electronic equipment
- additional equipment that is permanently installed on the sled including studs, skis and aftermarket accessories
- custom paint, wraps, or custom exhaust
- safety riding apparel, including helmets, boots, gloves and jackets (coverage for riding apparel is only provided in the event of a collision loss)
Medical Payments Coverage – This pays for medical expenses to each rider on the snowmobile injured in an accident. This optional coverage is usually offered at limits as low as $500 for each person to as high as $10,000.
Roadside Assistance Coverage – Roadside Assistance coverage provides towing to the nearest qualified repair facility and necessary labor at the time and place of disablement when the sled is disabled due to: mechanical or electrical breakdown, battery failure, insufficient supply of fuel, oil, water or other fluids.
Trip Interruption Coverage – This coverage is designed to help riders whose snowmobiles are disabled due to mechanical breakdown or covered loss when they are more than 100 miles from their principal garaging residence. This coverage provides daily maximums for lodging, alternative transportation, and food while the snowmobile is being repaired.
Transport Trailer Coverage – Provides Physical Damage coverage including theft and collision for a trailer designed for transporting the insured’s snowmobiles.
Rental Vehicle Coverage – Many of our companies provide Rental Vehicle coverage automatically. Whenever you receive a “loaner” snowmobile from a repair facility or dealership, or rent a snowmobile, all of the coverages from your current policy will transfer to the rental or loaner snowmobile.
Keep in mind that our agency offers the best rates and coverage options. We represent all the major snowmobile insurance companies and compare their rates and coverage to find you the best deal.
Simply apply by clicking GET A FREE QUOTE.
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