4 Reasons Why You Should Get Snowmobile Insurance

Snowmobiles allow consumers to explore snow-covered alpine trails. Riders can enjoy the crisp air as they grip the handles and investigate the icy vistas of rural Alberta.

Because these vehicles are small and used off road, many people think that they don’t need to insure them.

There are however many reasons to insure your snowmobile.

1. You could sustain physical injuries.

Just as a car accident could result in serious injuries, a snowmobile accident could, too. Snowmobile accidents can even cause worse injuries because you don’t have a windshield, chassis, or dashboard to protect you.

You also have increased risk of injury because you operate in wet, slippery conditions at a high rate of speed.

Health insurance will possibly cover most or all medical expenses, but some snowmobile insurance plans can help you pay for these bills as well.

2. You could accidentally injury others.

If you lose control of your snowmobile, it could hit and injure others and you may  be responsible to pay for their medical expenses. Snowmobile insurance will cover the resulting medical expenses.

3. You could damage your snowmobile or others’ snowmobiles.

Snowmobiles can weigh more than 225 kg (500 lbs.). For this reason, they can do some serious damage to anything they hit, including other snowmobiles. And just as you would have to pay for repairs if you hit another person‘s car, you have to pay for similar repairs if you hit another person’s snowmobile or property. Liability insurance protects you in the event of an at fault collision.

4. Theft.

Snowmobiles are expensive toys and theft is always a concern. Protect your property from theft by storing your snowmobile in a secure area and by carrying comprehensive insurance coverage.