Snowmobile Insurance Buying Tips

- Tuesday, November 08, 2022
Lallis & Higgins Insurance - Snowmobile

Why You Need Snowmobile Insurance Buying Tips

Take It Seriously

For some reason, many snowmobilers treat snowmobile insurance like it’s separate from the rest of our lives. Maybe that’s because snowmobiling is our escape from daily reality. Perhaps it’s because we don’t treat our toys seriously. Or being a seasonal purchase, maybe sled insurance just plays second fiddle in our overall insurance picture. Also, I guess it’s human nature to assume that nothing bad will ever happen to us. Whatever the case, most of us don’t take our snowmobile insurance seriously enough.

Sure, we spend a relatively small amount of our lives sledding. At least compared to everything else we do. And it irks us to pay what may seem too high a premium for our few hours of fun on the snow. But would we still feel that way after tragedy struck while snowmobiling?

Catastrophic Outcomes

Most of us arrive home safely after every ride. In Ontario, almost 200,000 of us typically ride a cumulative total of over 150 million kilometres in a normal winter without serious incident. That’s not a bad track record. Unfortunately, when something goes wrong while sledding, the outcome can be very bad. Snowmobiles don’t offer much protection. Sleds don’t stop very quickly on snow and ice. Trees and rocks aren’t very forgiving. Bodies are soft and vulnerable. And we’re often a long way from help.

The long and short of it is that too many snowmobile-related tragedies are catastrophic. And catastrophic = expensive. Catastrophic = life changing. Catastrophic = financial disaster.

Risk Reality

But all can be survivable if you have good insurance after you’ve bought a new sled or a used one. Good sled insurance can help restore your life and health. It can take care of your bills, your loved ones and your future. It can give you peace of mind. On the other hand, inadequate sled insurance can make what is already a catastrophe much, much worse. And it’s too late to change after the fact. Yes, snowmobiling has inherent risks, as with any other powersports activity. But don’t compound your risk by ignoring good sled insurance. Snowmobiling isn't supposed to be that much of a crapshoot!

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