Snowmobile Insurance & Coverage

Riding a snowmobile across an ungroomed open field with powder snow flying away can be memorable but comes with its share of risks.

Regardless of whether you enjoy sledding fast, slowly in a group, in steep terrain or in poor conditions, it is important to protect, you, your passengers, and yourself from injury or damage.

Some of the common snowmobile insurance coverage options can include:

Comprehensive & Collision coverage: Comprehensive coverage will protect your snowmobile from theft, vandalism, fire, or a collision with an animal. Collision coverage will provide coverage for the sled from incidents where it is damaged from colliding with another object (such as a tree or fence) or another vehicle.

Bodily Injury Coverage: Provides medical coverage to pay for third parties where you are found to be at-fault for an accident.

Property Damage: Provides coverage to pay for property damage you cause if you are found to be at-fault for a covered loss.

Medical Payments: Different from Bodily Injury coverage, this one is for you or your passenger’s medical bills.

Custom Parts & Equipment: Covers parts that did not come factory installed on your sled. This can include things like custom paint and cargo racks.

Most asked questions about snowmobile insurance:

1. How much does snowmobile insurance cost? Premiums are calculated by factors such as your age, the type of vehicle being insured, your previous loss history and your gender.

2. Is snowmobile insurance required? If you are using the vehicle on public lands or roads, then you will need to have liability insurance. If you have a loan on the vehicle, you will be required by the lienholder to carry full coverage.

3. How do I get a snowmobile insurance quote? We can provide you with a snowmobile quote so you can get out and enjoy the outdoors without having to worry about being properly covered.

Call an Aitken & Ormond Agent to discuss your insurance needs. As an independent insurance agency, we represent the top names in insurance and can quote multiple companies so you get the best discounts and coverage.

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Aitken Ormond Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.