Winter has arrived, the snow should be flying, and it’s time to ride. Before going out on the trails, you will want to make sure you have the proper snowmobile insurance coverage. You don’t want to be out on a quick ride and have a freak accident happen without the proper coverage on your machine. For peace of mind, you need a snowmobile policy that provides a wide range of coverage. These coverages should include:
- Liability Coverage
- Collision Coverage
- Other than Collision Coverage
- Safety Apparel Coverage
- Medical Payments Coverage
- Trailer Coverage
There are also other optional coverages to help protect you and your snowmobile when out riding. These option coverages can include
increased limits of liability, optional equipment coverage for add-on parts and gear, and additional transport trailer coverage.
Not all insurance providers will cover all snowmobiles – especially high performance models or modified sleds. You should talk with a snowmobile insurance expert if you have any questions about what can and can not be covered. Don’t just assume your snowmobile and all the add on parts are covered with any snowmobile insurance policy.
Things to look for in a snowmobile insurance policy:
- Collision Coverage and Other than Collision Coverage
- Towed and Transport trailer coverage
- Safety apparel coverage
- After-market parts and accessories coverage
- Year-round coverage
Finding a snowmobile insurance policy that offers all of the above coverages should allow you to ride without having to worry about what will happen in the event of an accident.
No matter what type of snowmobile you ride, whether it’s an Arctic Cat, Yamaha, SkiDoo, Polaris, or any other brand, you need to make sure it is insured with the proper type and amount of coverage. Premiums on snowmobile insurance are cheap compared to what it will cost to buy a new sled, or pay for medical bills in the event of an accident. You don’t even need to be out on the trails riding to have your sled totaled, someone could hit your trailer while driving down the road, and it could be a total loss. Do the right thing, and get proper snowmobile insurance coverage today.