Snowmobile insurance

Ride with the snowmobile insurance specialists

Serious protection for the trail ahead.

At Markel Specialty, we understand the unique insurance needs of snowmobile owners. Aggressive riders doing extreme snowmobiling in the backcountry are going to have different insurance needs than a family of weekend trail riders. Markel associates understand this and can tailor snowmobile insurance coverage to reflect each individual rider and specific situation.

Why do I need snowmobile insurance?

A snowmobile insurance policy can cover you if you ride on or off of your property and if you trailer your snowmobile to another location. It’s also important to keep in mind that a lot of state-owned and public parks may require snowmobile insurance in order to ride on their trails. Your snowmobile may not have the needed coverage under your homeowners or auto insurance policy.

With snowmobile insurance from Markel Specialty, you can drive however far off the beaten path you want to go. It's the freedom and peace of mind that comes with every Markel Specialty policy. Get a free online quote today.

What can snowmobile insurance cover?

Snowmobiles need protection that's different from what your auto or homeowners insurance can provide. With Markel Specialty's customizable insurance, you can build a policy to fit you, your vehicle, and your budget.

Collision
Collision coverage can help cover the damages to your snowmobile in an accident involving collision or upset, regardless of fault and regardless if the other party has insurance. Deductible options are $500, $1,000, $1,500, or $2,000.

Comprehensive
Comprehensive insurance coverage can help pay for damage to your snowmobile caused by a non-collision event. This could include fire, theft, vandalism, hitting a deer, etc. Deductible options are $500, $1,000, $1,500, or $2,000.

Accessory coverage
Accessory coverage is for those items added onto the snowmobile that were not included as standard by the manufacturer of the snowmobile. Aftermarket accessories can include, but are not limited to, windshields, storage bags, custom seats, covers, skid plates, and even your helmet and riding gear (if used exclusively with the insured snowmobile). Accessory packages ranging from $500 to $30,000 are available.

Uninsured/underinsured motorist property damage
This coverage can provide additional insurance protection against damage to your snowmobile caused by a motorist who has no snowmobile insurance or insufficient coverage, and is considered at fault.

Medical payments coverage
Medical payments coverage can help cover excess medical payments (after other medical coverage) for the insured snowmobile's operator or passenger regardless of fault, subject to coverage limit and deductible.

Uninsured/underinsured motorist bodily injury
This coverage can provide insurance protection for your injuries or death if you are involved in a snowmobile accident with a motorist who has no insurance or insufficient coverage, and is considered at fault.

Funeral expense coverage
Pays up to a predetermined amount for funeral expenses associated with a snowmobile accident resulting in the death of an insured person who was occupying the insured snowmobile.

Bodily injury liability
Bodily injury liability coverage is insurance protection for you if you're at fault in a snowmobile accident that causes injury, sickness, or death to someone else.

Property damage liability
Insurance protection if you're at fault in a snowmobile accident that causes damage to someone else's property.