June 2, 2015

Like golf carts, motorized snowmobiles are their own special type of property. Not really an automobile, but not normal personal property or yard equipment, they are in a class of their own. Therefore an inland marine form is the best way to provide coverage. ISO inland marine form PM 00 34 is designed to provide coverage for motorized snowmobiles, their trailers and equipment.

Topics Covered:

Introduction

Covered property

Newly acquired or replacement property

Borrowed or rented

Property not covered

Perils

Deductible and loss conditions

Other conditions

Introduction

Snowmobiles are another category that fall into a no man's land of insurance. They are neither automobiles nor yard equipment, but they can't be treated as personal property like a lawn mower. They travel over land during the winter when snow is on the ground, so their use is seasonal. They may or may not travel on roadways depending on weather conditions, but they're not registered for road use. The homeowners form provides some coverage but it is very specific and under only certain circumstances, such as servicing the residence premises, as long as that is its sole purpose. The liability exception that covers snowmobiles designed for recreational use off of public roads covers snowmobiles owned by an insured only if used on the residence premises, other parts of the premises shown in the dec or acquired during the policy period, on part of a premises not owned by an insured where an insured is temporarily residing, on vacant land owned or rented to an insured, or part of a premises occasionally rented to an insured for other than business use. There are a lot of gaps not covered that warrants special coverage.

Covered Property