Snowmobile enthusiasts will likely enjoy riding their snowmobiles on trails through snowy woods with their family and friends. You might also use your snowmobile to assist you with your work. If all of these are true, snowmobile insurance is the right policy for you. Remember, however, that snowmobile insurance policies may not have the same features or coverage.
Here are some important features and coverage that you should keep in mind when looking for snowmobile insurance.
1. Collision coverage and Other Than Collision, OTC Coverage. OTC coverage will cover theft or fire, while collision coverage will cover you if your snowmobile is struck by something.
2. Liability coverage. Your auto insurance policy should have the same liability limits as your policy.
3. Year-round coverage. This coverage is required if your snowmobile is used for both pleasure and business purposes.
4. Medical Payments Insurance. This will pay for medical expenses if someone is hurt or killed by your snowmobile.
5. Broad Eligibility coverage. This coverage is important regardless of the snowmobile model.
6. Transport trailer coverage. If you are transporting your snowmobile behind your vehicle, you can add a rider to your existing policy. This is a great way to save money.
7. Coverage for safety apparel. Safety apparel coverage must include items that are necessary for safety and protection, such as gloves, boots, helmets, and goggles.
8. Towed trailer coverage. This coverage is essential if you are able to hook up to a trailer, sleigh, or other vehicle.
9. Accessories and after-market parts. Your policy should also cover after-market parts for your snowmobile.
These are the 9 main features and coverages you should include in your snowmobile insurance policy. It’s better to be safe than sorry when you are out on your snowmobile.