About this insurance
Like driving any vehicle, accidents do happen with snowmobiles. Demanding climates and icy trails are all risks involved in this recreational sport. To protect yourself, get the right insurance calculated on a seasonal basis.
Here’s how it works
Our protection covers snowmobiles. A snowmobile is generally defined as a self-propelled vehicle designated for travel exclusively on snow or ice with a maximum gross vehicle weight of 2,000 pounds (1 t, 907 kg). Since the legal definition of a snowmobile may vary from one province to another, please refer to the legislation in your province to determine whether your vehicle qualifies as a snowmobile and to learn more about your responsibilities.
Much like car insurance, snowmobile insurance is mandatory, subject to certain exceptions. The mandatory insurance coverage includes liability coverage in the event that you are legally liable for bodily injury or property damage caused by the use or operation of your snowmobile, and it may also include Accident Benefits coverage for medical expenses and loss of income, as well as other coverage depending on your province. This does not apply to the province of Quebec.
You can also purchase additional voluntary coverage for your snowmobile. The options include comprehensive, which is protection namely against fire, theft and vandalism, and collision, which is coverage for damage to your vehicle caused by a collision with another object or by upset.
For more details on eligibility, visit our restrictions section.
- Operators who are 16 years of age and older and hold a valid driver’s license;
- You must reside in one of the following provinces: Alberta, Yukon, Northwest Territories and Nunavut, Ontario, Quebec or an Atlantic province.
Frequently Asked Questions about our Snowmobile insurance
The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.