HO 24 64–ISO OWNED SNOWMOBILE ENDORSEMENT

(July 2020)

This optional form covers “motor vehicle liability” losses involving an “insured’s” ownership, maintenance, use, operation, loading or unloading of a snowmobile. It is important to realize that this coverage applies to snowmobiles that are located or operated away from an “insured location.” The completed form extends the HO policy’s protection provided by Coverage E—Personal Liability and Coverage F—Medical Payments to Others.

This endorsement includes an area where the make or model and the serial number of the snowmobile must appear in order to qualify for coverage. Of course, this information may appear elsewhere in the policy.

Modified Definition of "Insured"

In order to provide snowmobile coverage, the form changes the definition of "insured" to include any entity that is legally responsible for an insured's snowmobile. However, the endorsement will not provide protection for a person or organization that uses or controls a snowmobile without the permission of the owner.

Example: Jeff Snofiend is insured with a HO 00 03 homeowners policy. The policy is endorsed with the HO 24 64 and his Polar Monster, model AAXXM500 is described as a covered vehicle.

Scenario 1: Jeff is visiting his grandfather’s farm and speeding around on some hilly acreage. Jeff crests one hill and plows into a group of persons returning home after sledding on another part of the property (Note: The group consists of the grandfather’s neighbors who had permission to go sledding).

Scenario 2: Jeff pays Kevin, the teenager who lives next door to Jeff’s grandfather, to clean and wax the Polar Monster. Jeff tells him that he’ll pick up the snowmobile the next afternoon. Kevin decides to ride the snowmobile and, while using it, he runs into a group of sledders.

Under the HO 24 64, scenario A would qualify for coverage while scenario B would not since Kevin rode the Polar Monster without Jeff’s permission. While Kevin did have valid custody of the snowmobile, Jeff did not give him permission to ride it.

Scenario 3: Similar to scenario 2., Jeff leaves the snowmobile with Kevin to clean and wax it. While it is in Kevin's garage, Kevin's friend hops onto it, but doesn't quite get to the seat. Instead the friend lands on the newly waxed rear, slips backwards and breaks a leg. In this instance, coverage would apply to the loss. The injury arose from Kevin having valid custody of the snowmobile.

Exclusions

The following circumstances are excluded from coverage:

· Any snowmobile subject to motor vehicle registration

· Any snowmobile that is being used to carry persons for a charge

· Any snowmobile that is being is used for "business" purposes

· Any snowmobile that is being rented to others

· Any snowmobile that is being operated in any prearranged or organized race, speed contest or other competition.

Example: Jeff Snofiend and several friends are spending the weekend at his isolated, rural home, located on a four-acre, hilly lot.

Scenario 1: After hours of partying, Jeff, and his friend Kara stumble outside, mount their snowmobiles and start racing. Jeff loses control and crashes into a friend’s parked car. This damage is covered.

Scenario 2: After hours of partying, Jeff and his friend Kara argue about who has the faster snowmobile. They agree to race the next day. The following day, they mount their snowmobiles and start racing. Jeff loses control and crashes into a friend’s parked car. This damage is not covered.