Snowmobile Insurance

Is snowmobile insurance required in Canada?

Yes. In Canada, snowmobile insurance is a requirement for operating your snowmobile off of your private property. As such, if you’re without a valid insurance policy, your snowmobiling activities are limited strictly to your private land. It’s essential to note that the specific insurance requirements and coverage details can differ depending on the province, so it’s crucial to familiarize yourself with local regulations to ensure full compliance.

Standard snowmobile insurance coverage

Snowmobile insurance is a specialized type of auto insurance coverage designed to protect snowmobile owners and operators from financial liabilities arising from accidents, damages, or theft of their machines. It encompasses various coverages, such as liability, accident benefits, collision or comprehensive coverage, tailored to address the unique risks associated with operating snowmobiles. Much like car insurance, it provides financial protection against unforeseen events and is often mandatory in many regions for snowmobilers using public trails or lands.

In Canada, snowmobile insurance is essential for those who wish to operate their machines on public lands or trails. Whether you’re looking for snowmobile insurance in Ontario, Alberta, British Columbia, or anywhere else in Canada, the specific details of coverage can vary by province and insurance provider. Nevertheless, a standard snowmobile insurance policy typically includes the following:

Third-party liability coverage

Mandatory third-party liability car insurance coverage protects you if you’re at fault in an accident that injures someone else or damages their property. Given the potential risks of snowmobiling, this is one of the most vital coverages, and a minimum amount is often mandated by law. The minimum required liability coverage can range from $200,000 to $1,000,000, depending on the province. However, given the potential high medical costs or third-party property damage fees, many snowmobilers opt for higher coverage amounts for better protection.

Accident benefits coverage

Should you or a passenger be injured in a snowmobile accident, this portion of your policy would cover medical expenses, hospital care, rehabilitation, funeral expenses, and even lost income. The exact specifics of accident benefits coverage can vary based on provincial regulations.

Uninsured motorist coverage

Every snowmobile rider hopes never to face a situation where they’re in an accident with a motorist who doesn’t have insurance. However, such instances can and do happen. Mandatory in some provinces, uninsured motorist coverage is designed to protect you if you’re involved in an accident with a rider who either doesn’t have insurance or doesn’t have enough insurance to cover the damages or medical expenses. This coverage can pay for medical treatment, rehabilitation, and, in some unfortunate cases, funeral expenses. It can also compensate for lost wages if you’re unable to work after the accident. Given the potential costs associated with severe accidents, this coverage can be crucial for your financial protection.

Direct compensation - property damage (DC-PD)

DC-PD coverage is relevant in provinces that have a no-fault insurance system, such as Ontario, Quebec, Nova Scotia, New Brunswick, and Prince Edward Island. If you’re in an accident where you are not at fault, DC-PD covers the damage to your snowmobile and its contents, as well as expenses related to its loss of use. This means you won’t have to seek compensation from the at-fault party’s insurance company; instead, your insurer will cover the damages directly, simplifying the claims process. However, it’s crucial to note that for DC-PD to apply, the accident must occur within a province that has approved this coverage, and another motorist must be at fault. Also, the other motorist must be identified, insured, and have a valid policy.

Additional snowmobile insurance coverage options

If a typical snowmobile insurance plan doesn’t fully meet your needs, think about opting for a more inclusive policy, which includes additional safeguards through extensions or endorsements. While these optional coverages might not be mandatory in your province, they undoubtedly provide enhanced security for both you and your snowmobile.

Collision coverage

Collision or upset coverage is primarily designed to address damages to your snowmobile from accidents, whether it’s a collision with another vehicle, a crash into obstacles like trees or rocks, or instances of rollovers. It’s centered on the repair or replacement costs of your snowmobile and typically involves a deductible, which is the out-of-pocket amount you’ll cover before the insurance takes effect.

Comprehensive coverage

Comprehensive coverage provides protection against damages to your snowmobile from non-collision-related incidents. This includes events such as theft, vandalism, fire, natural disasters like floods or storms, and encounters with wildlife. Essentially, it covers damages resulting from most unforeseen circumstances outside of collisions. While it’s an optional coverage, it offers peace of mind against a broader range of potential risks to your snowmobile.

All-perils coverage

All-perils coverage for snowmobile insurance offers a comprehensive protection plan, encompassing both collision and non-collision-related damages. This means it covers your snowmobile against damages from accidents with other objects, rollovers, theft, vandalism, natural disasters, and more. Essentially, it provides a broad safety net, addressing nearly every conceivable risk your snowmobile might face, ensuring you have maximum protection for your investment. Unlike collision and comprehensive, all perils coverage is under a single deductible no matter the claim.

Accident forgiveness coverage

One final type of optional auto insurance coverage popular among Canadian riders is accident forgiveness. Accident forgiveness coverage is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province

How much does snowmobile insurance cost?

The cost of snowmobile insurance can vary widely based on several factors. While it’s challenging to pinpoint a specific number without considering individual circumstances, the price is influenced by elements such as the type and value of the snowmobile, the rider’s age and experience, historical riding record, the coverage limits chosen, location and storage conditions, and more. Each insurer weighs these factors differently, leading to potential variations in premiums.

When exploring snowmobile insurance options in Canada, BrokerLink understands how beneficial it is for our customers to understand these factors. As such, we’ve broken down these factors in more detail.

Type and value of snowmobile

High-end, performance, or newer snowmobile models generally have higher premiums because of their increased replacement or repair costs. Conversely, older models or those with fewer features might be cheaper to insure.

Usage

If you use your snowmobile for racing or extreme off-trail adventures, insurers might see you as a higher risk, leading to increased premiums. Conversely, occasional recreational use on well-maintained trails might be seen as a lower risk.

Rider’s age and experience

Statistically, younger riders may be more prone to accidents, leading to higher premiums. Experienced riders who’ve spent more years on the trails without incidents often benefit from reduced rates.

Riding history

Just like with auto insurance, a history free from accidents or claims can earn you discounts. On the flip side, previous claims, especially recent ones, can elevate your premiums.

Location

Areas known for high theft rates or where snowmobile accidents are more common can result in higher insurance costs. Rates might also differ between urban and rural settings or based on the specific province or territory.

Storage

Properly storing your snowmobile, especially in secured or indoor locations, can mitigate risks of theft or environmental damage. This can result in favourable insurance rates compared to leaving your machine exposed.

Deductible amount

Your deductible is what you pay out of pocket before your insurance covers the rest. A higher deductible often means lower monthly or annual premiums, but it’s crucial to ensure you’re comfortable with the amount should you need to make a claim.

Coverage limits

The extent of your coverage plays a significant role in determining costs. Comprehensive policies with high limits or added riders will understandably have higher premiums than basic liability coverages.

Discounts

Insurers might offer reductions for various reasons: completing snowmobile safety courses, insuring multiple vehicles, or having other policies like home or auto with the same company. Some also offer discounts to members of recognized snowmobile clubs or associations.

Duration of coverage

Some riders might choose to have their insurance active only during snowmobiling season, which can affect the overall annual cost. However, it’s essential to consider the risks of off-season incidents, like theft or storage-related damages.

What types of snowmobiles does BrokerLink insure?

Snowmobile insurance is designed specifically for snowmobiles, but the definition of a snowmobile and the criteria for what qualifies can vary based on jurisdiction and insurance providers. Generally, eligible snowmobiles that qualify for snowmobile insurance include:

Traditional Snowmobiles

These are the most common type, designed to travel on snow and ice, often with ski-like fronts and continuous rubber tracks at the rear.

Utility Snowmobiles

Larger and designed primarily for work rather than recreation, these might be used for tasks such as hauling wood or towing heavy loads in snowy areas.

Trail Snowmobiles

Built for speed and performance, these are typically used for racing or high-speed trail rides.

Touring Snowmobiles

Designed for comfort during longer rides, they might have features like two-up seating, heated hand grips, and windshields.

Mountain Snowmobiles

Specifically designed for deep snow conditions in mountainous terrains, they are usually lightweight and have longer tracks for better flotation in powder snow.

Crossover Snowmobiles

These are versatile machines that can handle both trails and deep snow, combining features of trail and mountain sleds.

However, there are some exclusions. Vehicles such as ATVs (All-Terrain Vehicles) or UTVs (Utility Task Vehicles), while they might be used in snow, are not exclusively designed for snowy conditions. Typically, they don’t qualify for snowmobile insurance and require their own specific type of insurance called recreational vehicle insurance.

If you’re still unsure whether your vehicle qualifies for a snowmobile insurance policy, contact one of our insurance brokers at BrokerLink today. We can help you determine whether you qualify for snowmobile insurance and if there may be specific stipulations or criteria that need to be met.

How to save money on your snowmobile insurance

Saving money on your Canadian snowmobile coverage involves a mix of being proactive, understanding your coverage needs, and capitalizing on available discounts. Here are some money-saving strategies we’ve put together to help you reduce costs:

Bundle your policies

Insurance companies often reward customers who consolidate multiple insurance types with them. By grouping your snowmobile, home, auto, and even other recreational vehicles under one provider, you might achieve significant savings through bundle discounts or a multi-vehicle discount for multiple auto insurance policies.

Shop around

The insurance market is competitive, with different providers offering varying rates. By obtaining and comparing multiple quotes, you ensure that you’re receiving the best coverage for your money. Regularly reviewing your policy and shopping around at renewal time can be beneficial.

Increase your deductible

Your deductible is the amount you pay out-of-pocket before your insurance kicks in. By opting for a higher deductible, you typically lower your premium, though you must be prepared to cover the deductible amount should a claim arise.

Review your coverage regularly

As your snowmobile ages, its value decreases. Periodically review your policy to ensure you’re not over-insuring. For instance, for an older snowmobile, it might not be cost-effective to maintain comprehensive coverage.

Pay annually instead of monthly

Some insurers offer a discount if you pay your annual premium upfront rather than in monthly instalments. This can also save you from administrative fees associated with monthly billing.

Take safety courses

Demonstrating responsible riding through certified safety courses not only enhances your skills but can also qualify you for discounts. Insurance providers appreciate riders who prioritize safety, reducing the likelihood of accidents.

Maintain a good riding record

A history without claims or accidents can lead to favourable rates. Insurance companies often reward safe, responsible riders with reduced premiums.

Seasonal coverage

If you only ride during the winter months, consider adjusting your policy to reflect this. However, ensure you still have protection against off-season risks, such as theft or damage while in storage.

Safety and anti-theft devices

Modern snowmobiles may come with or can be fitted with advanced safety features and anti-theft systems. These additions may help lower your risk profile and subsequently, your premiums.

Store your vehicle securely

A snowmobile stored in a locked garage or facility poses a lower risk of theft or damage compared to one left outdoors. Secure storage can translate to lower insurance costs.

Group discounts

Membership in recognized snowmobiling clubs or associations might make you eligible for group insurance rates. Check affiliations and partnerships your club might have with insurance providers.

Inquire about other discounts

Always ask your provider about any available discounts that you might not be aware of. They might have new promotions or offerings, such as loyalty discounts, student discounts, private parking discounts, and more.

Work with an insurance broker

Insurance brokers are professionals who work with multiple insurance companies, giving them a comprehensive view of the market. By working with a broker, you can leverage their expertise to find the cheapest snowmobile insurance coverage tailored to your needs, often at competitive prices. Brokers can help you navigate the complexities of policies, understand the fine print, and ensure that you’re benefitting from all available discounts.

Get a free snowmobile insurance quote from BrokerLink today

At BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, or pets, let us help you find the best coverage possible.

You can reach us by phone, email, or in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.

[phone]

FAQs for snowmobile insurance

How much does snowmobile insurance cost in Canada?

The cost of snowmobile insurance in Canada varies based on several factors, such as the type of snowmobile, the rider’s experience, and the chosen coverage. It’s essential to obtain multiple quotes or partner with an insurance broker to help you understand regional differences and get an accurate estimate.

Is snowmobile insurance different from car insurance?

Yes, snowmobile insurance is specifically tailored for the unique risks associated with snowmobiles, while auto insurance covers risks related to automobiles. Both types of insurance offer protection but have distinct coverages and considerations.

Do I need snowmobile insurance in Ontario?

If you drive your snowmobile off your property, you must have liability insurance. This is the law in provinces and territories across Canada.

Do I need a valid driver’s licence to operate a snowmobile in Canada?

Yes. To operate your snowmobile on public land, a valid driver’s licence is necessary. Essentially, if you intend to use your snowmobile beyond your private property, a valid driver’s licence is mandatory.

Can you drive a snowmobile with a G1 licence in Ontario?

Yes, you can drive a snowmobile with a G1 licence. In order to operate a snowmobile in Ontario, you must be 16 years of age and have any class of driver’s licence, or you must be 12 years of age or older and hold a motorized snow vehicle operator's licence (MSVOL).

Are snowmobiles covered under homeowners insurance?

It really depends on your coverage and the specific policy you hold. Most likely, your homeowner’s insurance does not extend to your snowmobile. Call your broker to determine what is covered under your policy and if you can purchase additional coverage to protect your snowmobile.

Where can I buy snowmobile insurance in Canada?

In Canada, you can purchase snowmobile insurance through insurance companies, agents, or brokers who offer snowmobile coverage. It’s advisable to compare quotes from multiple providers to find the right snowmobile insurance for your needs.

If I buy snowmobile insurance, can I ride my snowmobile on any public road?

No, even with snowmobile insurance, you cannot ride on all public roads in Canada. Specific regulations vary by province, but generally, snowmobiles are restricted from most public roads except for designated crossings or areas explicitly permitted for snowmobile use. Always check local regulations before riding.

When is it safe to ride a snowmobile to go ice fishing?

Ensure the ice thickness is at least 12 cm (5in) before taking a snowmobile onto an iced-over lake or river. Read up on our other ice fishing safety tips here.

Does driving a snowmobile come with risk?

Yes, driving a snowmobile comes with inherent risks, including accidents, environmental hazards, and potential injuries. While snowmobiles are built for snowy and icy terrains, navigating challenging winter conditions can pose dangers. There’s always the possibility of losing control or encountering wildlife on trails. Proper training and adhering to safety precautions are essential to minimize these risks.

Does snowmobile insurance include property damage coverage?

Yes, snowmobile insurance typically includes property damage coverage. This coverage helps pay for damage caused to someone else’s property by your snowmobile, ensuring that you’re financially protected in the event of such incidents. However, the specifics of the coverage and its limits can vary based on the policy and provider.

Does snowmobile insurance include physical damage coverage?

Snowmobile insurance can include physical damage coverage as long as your policy includes collision, comprehensive, or all-perils coverage. These optional coverages help pay for repairs or replacement of your off-road vehicle if it’s damaged in events like collisions, fires, theft, or vandalism.

How can I get a free snowmobile insurance quote in Canada?

In Canada, you can obtain a free snowmobile insurance quote by reaching out to insurance companies, agents, or brokers offering snowmobile insurance, either online, over the phone, or in person. Many providers have free online quote tools on their websites for quick and easy estimates.

If you have any questions, contact one of our local branches.