Snowmobiling is more than a winter pastime — it’s a way to explore the great outdoors, connect with nature and enjoy the thrill of the ride. However, it’s crucial to ensure you’re prepared for the risks that come with it. Snowmobile insurance not only protects your investment but also provides peace of mind for you and your loved ones.
“Snowmobiles can provide hours of enjoyment, but it’s essential to ensure you’re properly protected. Many people overlook key coverages or exclusions until it’s too late,” says Andrea Worr, Personal Insurance team lead at NFP, an Aon company. Here’s what you need to know to stay covered and confident on the trails this winter:
- Insurance is legally required. If you plan to take your snowmobile off your private property, insurance is typically mandatory in Canada. The specific requirements vary by province or territory.
- Liability coverage is critical. Even on private property, liability coverage is essential. For example, if someone is injured on your property due to the use of your snowmobile, you could be sued. Proper liability coverage protects you from significant financial risks.
- Coverage works like auto insurance. Snowmobile insurance typically mirrors auto insurance. It can include liability coverage, accident benefits and optional add-ons such as collision and comprehensive coverage. A main difference, however, is that replacement cost coverage isn’t offered, so be mindful of potential out-of-pocket costs.
- Be aware of exclusions. Exclusions are one of the biggest pitfalls with snowmobile insurance. For instance, if your snowmobile goes through ice, coverage depends on how it happened. A collision on ice may be covered, but riding over open water likely won’t. All-perils coverage can help, but it’s vital to understand the specifics of your policy.
- Secure your snowmobile. Snowmobiles are a common target for theft. Store yours in a secure location when not in use to prevent loss and ensure you’re covered in the event of theft.
- Check before you buy. Before purchasing a high-value or high-CC snowmobile, it’s a good idea to call your broker first. Some carriers don’t provide coverage for expensive or high-performance models, and others may charge significantly higher premiums. This step ensures you’re not stuck with a machine you can’t insure.
Proper snowmobile insurance protects you from financial loss and ensures you can enjoy the winter season with peace of mind. If you’re ready to explore your coverage options, fill out our online form today, or call us at 1.844.811.1118 to speak to one of our specialists.