Snowmobiling can be an exhilarating but risky winter sport. Today’s high-powered machines canweigh as much as 600 pounds, reach speeds as high as 200 miles per hour andcost well over $10,000.

Property damageand injuries from snowmobiling accidents can be severe. Snowmobiles aren’t usually included under your home or auto insurance policy, so you will likely need separate coverage. Policies can provide coverage for damages to the machine and personal injury, as well asyour legal liability if you’re responsible for another person’s injuries orproperty damage.

Liability Coverage

Some provincesrequire you to have liability insurance for your snowmobile, which helps covercosts if you damage someone else’s property or injure someone else in anaccident. Even if your province doesn’t require this coverage, it’s a good ideato have it.

The amount ofcoverage depends on the limits you set when you buy your policy. Minimumliability coverage may be sufficient if an accident doesn't involveserious injuries or extensive property damage.

But if the costsof the accident exceed your coverage limits, you’ll be responsible for payingthe rest out of your own pocket. An umbrella policy can provide additionalcoverage beyond the limits of your existing policies.

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Collision Coverage

Collisioncoverage helps pay for the cost of repairs if you damage your snowmobile in anaccident, whether you hit a rock or collide with another snowmobile on thetrail.

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Comprehensive Coverage

Comprehensivecoverage can help pay for repairs or replacement if your sled is stolen ordamaged by something other than a collision. Covered risks may include sinkingthrough the ice on a frozen lake or river, along with:

·    Fire

·    Hail

·    Hitting an animal

·    Smoke

·    Theft

·    Vandalism

·    Damagefrom a falling object

Additional Optional Coverages

You may want toconsider several additional kinds of insurance for your snowmobile, including but not limited to the following:

Accessories and custom parts/equipment. Accessory coverage is for items orextra equipment installed on the snowmobile that weren’t factory installed,like windshields, special paint, engine performance equipment, skid plates,storage bags or GPS, and safety apparel like helmets.

Accident benefits. Includes death, funeral, disability andcaregiver benefits for the driver and family.

Roadside assistance. If you get stranded on the trail due to a dead battery,mechanical problem or other issue, roadside assistance coverage lets you callfor help and hitch a ride to the nearest repair facility, at no cost to you.

Transport trailer. If the trailer you use to haul your snowmobile is damaged,stolen or totaled, repairing it or buying a new one could set you back financially. Investing in trailer insurance can protect you from this expense.

Uninsured/underinsured motorist bodily injury and/or property damage. This type of coverage protects you or someone riding your snowmobile for bodily injury, property damage and financial loss resulting from some other snowmobiler who hits you and has no insurance or liability limits less than your own policy.

Cost

The cost ofinsurance for your snowmobile varies depending on the coverage you buy and the type of machine you drive, as well as where you live and ride and some other factors.

Reach out to your insurance broker for more information about your snowmobile insurance options so you can be sure to get the right type and level of coverage.

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