Incident Coverage & Repair Fund: What’s Included With Every Tour

Every snowmobile and side-by-side rental with Grand Adventures — guided or self-guided — automatically includes two things: Incident Coverage and a Repair Fund. You’ll see this as a line item during checkout, and it’s one of the most common things guests ask us to explain. Here’s exactly what it is, what it covers, and what you’re on the hook for if something goes wrong.

Quick Answer

Activity	Damage Deposit at Check-In (Credit/Debit Card)	Your Maximum Out-of-Pocket (per machine rented)
Snowmobile Guided Tour	Card imprint (no cash or checks)	$1,500 (parts & labor)
Snowmobile Self-Guided Rental	Card imprint + $500 pre-authorization hold per machine	$3,000 (parts & labor)
Side-by-Side Tour	Card imprint (no cash or checks)	$3,000 (parts & labor)

The Repair Fund covers everything above your maximum out-of-pocket amount. The card imprint/pre-authorization is a deposit — you’re only billed up to the actual cost of damage, capped at your activity’s maximum. Deposits are pre-authorizations and will show as a pending charge on your account, so funds must be available in your account.

What Is Incident Coverage?

When you rent with Grand Adventures, you’re added as an additional insured on Grand Adventures’ commercial automobile policy for the duration of your rental. That policy generally provides auto liability coverage — meaning it may pay for bodily injury or property damage caused by an accident during your rental — along with Blanket Accident Coverage.

This coverage is subject to the actual terms, conditions, exclusions, and limits of liability in the policy itself. For specific coverage questions, you can contact our insurance provider, vQuip Insurance Agency, directly at 704-496-9002.

What Is the Repair Fund?

The Repair Fund is separate from Incident Coverage — it’s specifically designed to cap your out-of-pocket cost if your rented machine is physically damaged during a guided tour or self-guided rental. It applies to all snowmobiles and side-by-sides you rent, guided or self-guided.

Here’s how it works:

At check-in, you’ll provide a credit or debit card for an imprint (all rentals) and, for self-guided rentals, a $500 per-machine pre-authorization hold. The cardholder must be present, and we don’t accept cash or checks for damage deposits.
If damage occurs, your maximum out-of-pocket expense per machine is capped at:
- Snowmobile guided tours: $1,500 (parts & labor)
- Snowmobile self-guided rentals: $3,000 (parts & labor)
- Side-by-side tours: $3,000 (parts & labor)
Anything above that cap — the rest of the parts and labor cost — is covered by the Repair Fund, not billed to you.
Late fees (self-guided rentals) and retrieval fees, where applicable, are not covered by the Repair Fund.

Do I Have to Purchase This Coverage?

Yes — Incident Coverage and Repair Fund protection is required for every tour and rental, and will show as a mandatory add-on cost during checkout. It’s not an optional upgrade.

See guided snowmobile tour details | See self-guided rental details | See side-by-side tour details

Frequently Asked Questions

What is Incident Coverage?

Incident Coverage adds you as an additional insured on Grand Adventures’ commercial automobile policy for your rental period. It generally provides auto liability coverage for bodily injury or property damage caused by an accident, along with Blanket Accident Coverage, subject to the policy’s actual terms, conditions, exclusions, and limits.

What is the Repair Fund?

The Repair Fund caps your maximum out-of-pocket cost if your rented snowmobile or side-by-side is physically damaged during a guided tour or self-guided rental. Costs above your activity’s cap are covered by the fund rather than being billed to you.

Do I have to pay for the Incident Coverage and the Repair Fund?

Yes. Both are included with every tour and rental and appear as a line item during checkout — they’re not optional add-ons you can opt out of.

What’s my maximum out-of-pocket if my machine gets damaged?

It depends on your activity: $1,500 for snowmobile guided tours, and $3,000 for both snowmobile self-guided rentals and side-by-side tours (parts and labor). Deductible amounts are per machine.

What is the damage deposit, and how much is it?

At check-in, we take a credit or debit card imprint as your damage deposit on all rentals. For self-guided rentals, we also place a $500 per-machine pre-authorization hold. This is a deposit, not a charge — you’re only billed up to the actual cost of damage (parts + labor), capped at your maximum out-of-pocket amount.

Can I pay my damage deposit with cash or a check?

No. We only accept a credit or debit card imprint for damage deposits, and the cardholder must be present at check-in and must be 21 years of age or older.

Who do I contact with questions about the insurance policy itself?

For specific questions about the auto liability coverage terms, conditions, exclusions, or limits, contact vQuip Insurance Agency directly at 704-496-9002.

Do I get refunded if I don’t have any damage?

No, the incident coverage and repair fund is non refundable after the trip. The self-guided $500 per machine pre-authorization hold will be released as long as there is no damage on your machine when returned.

Will the damage deposit show up as a charge on my account?

For self-guided rentals, the $500 per-machine pre-authorization hold will show as a pending charge on your account. You’ll need sufficient available funds or credit to cover the hold amount.

Does the Repair Fund cover late fees or retrieval fees?

No. Late fees (self-guided rentals) and retrieval fees, where applicable, are not covered by the Repair Fund.

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