Snowmobile Insurance

Protect their fun in the snow with full coverage available in ten Midwest and Northeastern states.

Sure, snowmobiles are fun. But in some parts of the country, they are essential tools for survival. Even more reason to ensure that the coverage you offer meets all the customer’s needs. This policy automatically meets a state’s minimum coverage requirements and can be tailored with optional coverages and discounts. (Program is available in Connecticut, Illinois, Maine, Michigan, Minnesota, New Hampshire, New York, Pennsylvania, Vermont and Wisconsin.)

Out-of-state and Canadian coverage

Our policy automatically adjusts to meet a state’s minimum coverage requirements even if your policy limits are normally lower. If you ride beyond our northern border, your coverage extends into Canada.

Snowmobile Policy Highlights

 Coverage Full coverage – Liability, plus collision damage and comprehensive losses to the snowmobile. With full coverage you can add options to the policy.
Liability plus comprehensive – Comprehensive coverage includes protection for theft or damage to the snowmobile resulting from causes such as fire or weather, but not collision.
Liability only – The policyholder is insured for just the liability requirements of your state. Physical
damage coverage to the snowmobile is not part of the policy.
 Loss settlement Actual cash value – In the event of a total loss or theft, we will pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.
 Discounts Safety course – 10% for course completion
Renewal – 10% each successive year
Association membership –5% for belonging to an approved snowmobile association
Insuring multiple units – 15% if insuring two or more
 Payment options 2-Pay – Pay half up front with the balance due in a few months.
4-Pay – Pay a quarter up front with an installment due every 60 days.
Full Pay – Pay when coverage begins or on renewal.
 Optional coverage Transport trailer – Add physical damage coverage for a trailer designed to transport the insured snowmobile. A $250 deductible applies.
Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.