Snowmobiles can be used for recreation and transportation. If you are a recreational rider, you may ride in parks and wilderness areas with your family or a group of riders. You may use your snowmobile as transportation if you live in more remote areas. Snowmobiles even aid search and rescue efforts and other emergency personnel in the regions that aren’t safe for driving.
Just as there are many uses for snowmobiles, there are plenty of options to insure it.
Like insurance for your car, insurance for snowmobiles is broken down into two main coverages. You need insurance coverage if you injure someone or damage their property while you’re operating your snowmobile. You also need insurance coverage if something happens to your snowmobile itself. These two main coverage groups are known as liability coverage and physical damage coverage.
Third party liability: Liability insurance is insurance that protects you if you are at fault in an accident. It covers if you’re responsible for injuring someone or for damaging another person’s property.
For example, let’s say you are on a group ride in a national park. You get distracted by some movement off the trail and slam into the snowmobile in front of you. Your liability coverage steps in to pay for the damage to the other snowmobile.
Physical Damage Coverage: There are two types of physical damage coverage for your snowmobile – comprehensive and collision coverages.
- Collision coverage will pay to repair your snowmobile if it’s in a crash with another vehicle or object. It pays regardless of fault.
Comprehensive coverage, on the other hand, pays to repair your snowmobile if it’s damaged in something other than a collision. This could be an act of nature such as a weather event, fire, or theft.
Snowmobile insurance rates Ontario can be costly, so it’s important to make sure you get the best coverage at the best price. The better you understand snowmobile insurance Ontario, the more informed of a decision you can make. The experts at Duliban are ready to assist you with choosing the best policy for your snowmobile.
Let’s look at the coverage details for snowmobile insurance.
Insuring a snowmobile on your auto policy: Some insurance companies will allow you to add your snowmobile to your auto policy. This means the liability coverage you have on your autos will extend to the snowmobile. You will select deductibles for both comprehensive and collision. You may wish to make them the same as you have on your auto.
Deductibles: While liability coverage has no deductible, comprehensive and collision coverage do. So, select the best deductible you can afford as this will be the cost coming out of your pocket should you need to use the coverage.
Trailer: Don’t forget about your trailer. If you use a trailer to move your snowmobiles around, it also must be insured. If the trailer is attached to your vehicle, it is likely covered under your auto policy’s liability coverage. However, insurance companies vary on how they respond to trailers, so talk to a Duliban insurance professional about trailer coverage when you are shopping for snowmobile insurance quotes Ontario.
Emergency roadside service: Remember snowmobiles are motorized vehicles, they are subject to rules and regulations as are autos. They can also break down. Emergency roadside service for your snowmobile is something you may want to consider. It can be a lifesaver if you get stuck in the snow miles away from your automobile or home.
Snowmobile insurance quotes Ontario depend on many factors – where you ride, how you use your snowmobile and where you store it. It is best to seek the guidance of a licensed and experienced insurance agent to help you select the best coverage for your snowmobile. We can help.
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