When winter comes to New Brunswick it is a special time of year. Sure, it’s nice in the warm weather to go off-roading and venture into strange and new places with friends and family or even by yourself. However, there is something about getting out on the snow that provides a kind of freedom only a snowmobiler can understand and appreciate. Yet, the more you use your vehicle the more important it becomes to have the right snowmobile insurance policy. Here is a perfect example of why you need this valuable coverage.
Barry and Karen were fond of going off the beaten path and spent a lot of time on their four wheelers in summer and snowmobiles in winter. In fact, they had been planning a trip to the North. They were going to stay at a lovely lodge, check out a winter festival and then hit the amazing snowmobile trails. However, Karen had a funny feeling about this trip and asked Barry if they had snowmobile coverage.
Barry told Karen that snowmobiles were not cars and didn’t need special insurance. However, Karen asked Barry what would happen if they were involved in a bad snowmobile accident, and Barry had no reply. In fact, he was on the phone to his new insurance broker within a few minutes time.
Barry’s new broker worked at an independent brokerage and had just got him a great package deal on homeowners and auto insurance and he told Barry it was a smart decision to have snow mobile insurance. Barry asked the broker to write up a policy.
It turned out the couple didn’t need insurance for their trip as everything went fine. However, after they got home, Barry was riding on a local snowmobile trail when he suddenly swerved to avoid hitting a deer and struck a tree. Barry was seriously injured and the snowmobile was totalled.
Barry was off work for many months and thanks to his collision coverage he got a new snowmobile and his insurance company paid for rehab and for a housekeeper to come by the home a couple of times per week allowing Barry to focus on his recovery (while Sara continued to work). In addition, Barry had also had accident benefits coverage, which partially compensated him for the time he missed from work. If Barry had not taken out this insurance, the couple could have been in financial dire straits.
What is Snowmobile Insurance?
Snowmobile coverage is usually included under the heading of “motor sports insurance”. It is different from standard auto insurance and is designed to meet the insurance needs of the off-roader. However, this does not include people who ride competitively or race.
Who Needs Motor Sports Insurance?
If you love to snowmobile you should consider insurance. However, these vehicles also should have motor or power sport insurance:
- Boats
- ATVs
- Dune buggies
- Jet skis
- Dirt motorcycles
- Golf carts
- Utility vehicles
Getting Standard Snow Mobile Insurance
A typical insurance policy may include these things:
- Medical payments
- Liability
- Uninsured drivers – can include hit and run incidents and drivers not carrying enough liability insurance coverage.
- Collision (mandatory if you owe money on your vehicle)
- Comprehensive – theft, fire, damage from falling objects
Snowmobile Insurance Options
You may want to consider these options for your protection:
- Trailer insurance
- Added liability protection – you can increase your coverage if you feel the need.
- Gear and equipment coverage
Where Can I Insure My Snowmobile?
When you need insurance, you can go online or shop locally. First, you’ll need to check with a number of companies and compare all the coverage options and premiums. Plus, you’ll need to understand all the insurance language included in all kinds of insurance policies. However, there is a much faster and more efficient way to get insurance. You only need to come to Vienneau Insurance.
We are an independent insurance brokerage and we do not represent a single insurance company. We represent you, our clients. Your independent broker is partnered with some of Canada’s best insurance companies and is very familiar with their policies and coverage options. Plus, with an experienced insurance professional, you have someone to help you choose coverage customized to your needs and the needs of your family.
Why Choose an Independent Insurance Broker?
Your insurance broker crunches the numbers and does all the hard work for you. Instead of wondering if you have the right coverage, you can be assured you not only have the best coverage but the most affordable premiums too. We can help you with all your insurance needs including business insurance, life insurance, homeowner policies, auto insurance, vacation home coverage, ATV insurance, RV insurance, and we have special package deals which can save you even more money over the low premiums.
Don’t take chances when it comes to snow mobile insurance, contact us today about a free insurance quote request.
