Snowmobile Insurance FAQS

Snowmobile Insurance Frequently Asked Questions

These are a few of the more questions we get on snowmobile insurance. If you have a question that isn’t listed, please chat online with us or call 1-800-236-2453.

Do I have to insure my snowmobile in the summer months?

The better question would be why wouldn’t you insure your snowmobile in the summer months? Some people think they will save money by not insuring in the summer. At Markel, we understand that you won’t be using your sled in the summer, and set our rates accordingly. That means you won’t really see any savings by not insuring the unit in the off-season.

The most important reason to insure your snowmobile in the summer is to protect you from any of the situations that can arise when your sled is being stored. We’ve seen everything from shelves falling on snowmobiles to entire garages burning to the ground with the snowmobiles inside. If you don’t have insurance in the off-season, anything that happens to the unit will not be covered. As they say, it’s better to be safe than sorry.





How do I handle a snowmobile claim?

Step one with any accident always concerns the safety of everyone involved. If there are any injuries, the first thing to do is contact the proper authorities to attend to the injuries. When that is complete, be sure to secure the unit to avoid any further damage or injury. Take photos of the scene and the snowmobile to help throughout the claim. Then, contact us either online or by calling (800) 236-2453.



Do you cover all brands of snowmobiles?


We will cover snowmobiles by all major manufacturers, so get a quote today!




Am I covered if I allow someone else to ride my snowmobile?

In the event that you allow someone else to ride your snowmobile and they have an accident, your snowmobile is covered, as well as damage that may be caused to someone else’s property or injuries caused to someone else. If the person driving your snowmobile is injured, their injuries may be covered by medical payments coverage on your snowmobile insurance.





How much coverage do I need?

This is a difficult question to answer because it will vary with each person, snowmobile, location, etc. Your best bet is to call our specialists at (800) 236-2453, and let them help you determine how much coverage is right for you.


Do I have to wear a helmet to be covered?

While we don’t require that you wear a helmet to be covered, we strongly encourage it. We don’t have to tell you about the hazards you face on your sled, and we won’t tell you about the situations we’ve seen where a helmet could have prevented serious injuries or loss of life. It’s always better to take every precaution to protect yourself when you’re out on the powder so you can enjoy next season too!