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 if it is included 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.

Martin R. | November, 2019

ORV insurance customer

"When I had a claim the process was fair and quick. Premiums are reasonable and customer service is good."

Randy S. | October, 2019

ORV insurance customer

"I've shopped for insurance multiple times and Markel has always been the best!"

Benjamin B. | September, 2019

ORV insurance customer

"Everything is quick and easy and the people on the phone are fantastic. Plus the rates are incredible!"

What does 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.

Coverage for your snowmobile

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.

Coverage for you

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.

Coverage for others

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.

Discounts
DISCOUNTS
Get the coverage you deserve at a rate you’ll love with our numerous money-saving discounts and diminishing deductible.
Documents
RESOURCES
From snowmobile safety tips to breaking down insurance coverage options, find the information, advice, and resources you’ll need all in one place.
FAQ
FAQs
Snowmobile insurance doesn’t need to be complicated. Explore our most commonly asked questions about snowmobile insurance and get the answers you’re looking for.

Policies as low as $50 per year.

The trail starts here. Get a fast, free online quote today and get the protection and peace of mind you deserve. Plus, save up to 35% with our discounts.

Or call 800-236-2453 to speak with a snowmobile insurance specialist.

*This content is provided for informational purposes only. Terms, conditions, and exclusions apply. Coverage is provided by one or more of the insurance companies under the Markel North America Insurance Group, including Markel American Insurance Company, Glen Allen, VA, and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer # 27585, in California dba Markel Insurance Services License#: 0645481. Terms and conditions for rate and coverage may vary by state and application. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. Markel Specialty is a business division of Markel Service, Incorporated. Markel® is a registered trademark of the Markel Corporation.