Here in New Hampshire, many residents make the most out of our snowy winter months by engaging in winter hobbies like snowmobiling. If you own a snowmobile, you likely anticipate the fun that the first snowfall will bring, but before you begin cruising around in the fresh powder, it’s important to ensure that your winter activities are protected. Just as it’s crucial to protect your vehicle with the right auto insurance policy, it’s also important to secure a New Hampshire snowmobile insurance policy that fully protects your winter fun.
What Does a Snowmobile Insurance Policy Cover?
A standard NH snowmobile insurance policy will typically provide the following types of coverage:
- Liability – protects you in the event that you cause an accident that results in bodily injury or property damage to another party.
- Collision – covers the cost of repairs to your snowmobile in the event that it is involved in a collision, whether with another snowmobile or an object such as a tree or fence.
- Comprehensive – covers property damage to your snowmobile resulting from events other than collisions, such as vandalism, theft, flooding and windstorm.
Snowmobile Safety Tips
Before taking out your snowmobile for the season it’s not only important to secure the right coverage, but it’s also crucial to keep safety in mind. Use the following snowmobile safety tips to prevent your winter fun from resulting in unexpected accidents or injuries:
Inspect your snowmobile before you hit the trails. Check the condition of your snowmobile and all of its parts, including its throttle, ski assemblies, rods, belt, headlights, taillights and brakes, as well as your fuel and battery levels. It’s also a good idea to check the weather in advance and pack an emergency kit just in case of an unexpected incident on the trails.- Know the laws and rules of the trails. Be sure you’ve familiarized yourself with the local laws and any age restrictions regarding snowmobile operation in your area. You should also be aware of rules specific to the trails, such as only riding within permitted areas.
- Always wear appropriate attire and safety gear. To protect yourself from a possible accident as well as freezing temperatures, it’s important to not only wear a helmet, but also to equip yourself with heavy gloves, goggles, and windproof outerwear.
- Notify others of your whereabouts. Before you leave, tell family members or friends where you’re headed, and let them know when you’ve arrived.
- Never operate a snowmobile after consuming alcoholic beverages. Just as you should never drive an automobile after consuming alcoholic beverages, it is also against the law to operate a snowmobile while under the influence of alcohol. Aside from the fact that it is illegal, operating your vehicle after consuming alcohol can lead to increased fatigue and decreased reaction time.
The right snowmobile insurance policy and an awareness of snowmobile safety tips is a winning combination. At Eaton & Berube Insurance, our agents have more than 250 years of combined insurance experience and will design affordable NH snowmobile insurance coverage that is tailored to your specific needs. If you’re looking for snowmobile insurance in NH, please call us today at 603-882-2766 or submit our online quote request form to get a quick free quote.