It’s Time to Hit the Powder!
Snowmobiles can present many hazards to drivers, passengers, other motorists and property. Before the temperatures cool and you get eager to hop on your snowmobile, learn more about how you can insure your vehicle and protect yourself and others. Some of you daredevils out there may even be doing tricks like this:
A typical Snowmobile Insurance policy includes the following:
Bodily Injury and Property Damage Liability (BI/PD)
Covers liability for an accident involving injury to other people or property, up to your liability limits. If your limits are 100/300/100, no more than $100,000 would be paid per person for bodily injury, no more than $300,000 would be paid per accident for bodily injury and no more than $100,000 would be paid per accident for property damage. Consult Mumby Insurance Brokers, Inc. to learn more about what limits are right for you.
Comprehensive and Collision Coverage
Policy pays to replace or repair your snowmobile if it is stolen or damaged, regardless of who is at fault. You select and pay a deductible and then the insurance carrier pays the remainder. Collision coverage applies if you hit a nonliving object or other vehicle. This coverage also pays for damages caused by events other than collisions, such as fires, theft or vandalism.
If you get into an accident with someone who is uninsured or underinsured and you were not the at-fault party, the policy will pay for your medical treatment.
Policy covers the labour needed for repairs and towing to the nearest repair facility if your snowmobile is disabled due to:
- Mechanical or electrical breakdown
- Dead battery
- Lockout/lost key
- Insufficient fuel, oil, water or other fluids
- Entrapment in snow, mud, water or sand
Policy covers items that were not originally manufactured on the vehicle, altering the appearance or performance of the snowmobile. This may include:
- Electronic equipment and antennas
- Custom paint, engine modifications and suspensions/springs
- Exhausts, racks, saddlebags, hitches, seats/backrests and windshields
- Plow blades or winches
Snowmobiling can be dangerous, so don’t take chances with your insurance. Call Mumby Insurance Brokers, Inc. today at 519-885-5956 to learn more about all of our insurance solutions for all of your recreational, home and auto needs.
What Adventures are You Into?
- Scouring the back country on rugged trails?
- Nature watching?
- Skimming fields and ice-covered lakes?
If you and your family love these types of activities, then you are like many other adventure enthusiasts who love riding a snowmobile. These vehicles are great fun, but must be insured so you and your snowmobile are protected.
Snowmobiles are primarily used on off-road terrain, over frozen bodies of water and alongside roads. As a result, they generally operate at high speeds and are prone to accidents and theft.
In addition, many snowmobiles are customized, so it is difficult to establish their value after a loss. Contact Mumby Insurance Brokers, Inc. to learn more about your specific risks and how to protect against them.