Snowmobile

Policy feature

What it means

Coverage levels

Liability only

All our policies include liability protection for damaged property or personal injury.  We also include passenger liability at no additional cost.  With just liability coverage, you have no physical damage coverage for your snowmobile.

Liability plus comprehensive

Comprehensive coverage adds protection for theft or damage to your snowmobile resulting from a fire and most other causes, except collision.

Full coverage

In addition to liability and comprehensive coverage, this program includes collision coverage for accidental damage.

Loss settlement

Actual cash value

In the event of a total loss or theft, we will pay the market value of your unit.  For a partial loss, we pay the cost to repair, minus depreciation for damaged parts and the deductible.  In either circumstance, you are protected up to the stated policy limit. 

Optional coverage

Trailer

If you purchase full coverage, you can add protection for your trailer.

Medical payments

This option covers co-payments, deductibles and other expenses if you need medical attention.

Accessories

Accessories, like a cover or safety apparel, are covered with this option.