- Although snowmobile use is much like an ATV, they are not considered ATVs and therefore not insured under your ATV insurance policy.
- Snowmobile insurance is much the same as automobile protection.
- Hancock Insurance can advise you on what basic coverage you require and what additional coverage you may need to keep you adequately covered.
If you need more information, e-mail us your questions at email@example.com.
1. Do I need insurance on my boat?
Property insurance policies provide limited coverage for lower horsepower boats and may vary from company to company. Generally speaking boats with an engine over 10 hp require an endorsement to the policy. Costs increase with the horsepower. You can also purchase coverage for damage to your boat. Speak with a Hancock Insurance broker to discuss the optional coverage available.
2. Do I need insurance if I only drive my snowmobile/atv on my own property?
Property insurance policies generally exclude liability coverage for any motorized vehicle. Regardless of whether you are on your property or not, a situation may occur where there is bodily injury or property damage to others. Your property policy would not respond and therefore would require coverage under a snowmobile/atv policy.
Marine Training & Consulting Ltd.
Ontario Federation of Snowmobile Clubs