Snowmobile Insurance: Don’t assume, make sure
If you’re a snowmobiling enthusiast and live in Southwestern Ontario, then you know the sad truth is, as many winters as not, you’re likely going to have to load up your sled on a trailer and head North to put in any serious snow time.
What you may not know is that if something happens to your machine on the way to your snowy destination, it probably won’t be covered if you don’t have a snowmobile policy with collision coverage.
There’s a common misconception among a lot of snowmobilers that their machine is protected in transit by the insurance policy of the vehicle doing the towing. But that’s not so. Even with collision and comprehensive coverage on the trailer itself, that only covers damage to the trailer, not the contents. Your only hope would be for the damage to have been caused by another vehicle being “at fault” and colliding with the vehicle/trailer transporting your sled.
So, when you consider the weather you’re seeking out to go snowmobiling in are the same conditions that might put a truck and trailer in the ditch, consider minimizing your losses and carry the extra coverage.
If you have additional questions about snowmobile insurance, call one of DPM Insurance Group’s six offices and our brokers and support staff will be happy to answer them. At DPM, your security is our responsibility.