The Richards Group is one of Vermont's and New England's top retirement and fiduciary advisors

Thrill seekers need snowmobile insurance.

As a sled owner you know snowmobiles are an investment and can be dangerous given the speed they can travel. That is why you need a Snowmobile Insurance policy from The Richards Group to protect you, your riders and your snow machine. Like other recreational vehicles, a snowmobile has particular insurance requirements. For example the Vermont Association of Snow Travelers (VAST) requires your snowmobile to be registered and insured to travel on their trails.

The cost of snowmobile insurance can vary depending on your age, experience, claim history, the make & model of your snowmobile, and the amount of coverage and deductible you choose to purchase. Qualifying discounts are also available for safety course certification, responsible driver, pay in full and electronic payment known as EFT.

Snowmobile Insurance Green Mountains of Vermont.jpg

Ride Safely

Many snowmobile accidents are a result of disregarded safety precautions. Being prepared will help you, your passengers and other trail riders stay safe.

  • It is important to dress properly for cold and wet.

  • Be aware of the weather conditions.

  • Slow down at night.

  • Always bring a first-aid kit and other survival items, such as a flashlight.

  • Don’t drink and drive – it not only slows your reaction time, it increases your risk of hypothermia.

Did you know it doesn’t cost you more money to work with an independent insurance agency?

A basic Snowmobile Insurance policy may include:

  • Bodily Injury Liability

  • Property Damage Liability

  • Comprehensive Coverage

  • Collision Coverage

Depending on the snowmobile insurance company, other insurance options may be available for you to purchase such as uninsured and underinsured driver coverage, accessory coverage for your helmet, windshield, custom seat, riding gear and eye-wear, and towed trailer and transport trailer coverage. Insurance carriers build in a “lay up” period so you do not need to reduce or cancel coverage during the off-season.


We invite you to consult with one of our personal insurance specialist to learn more about your snowmobile insurance options!